If your time is money, spend it on something productive. 

The sky is the limit after that, it depends on your market as to what you need to build to make your product competitive.

This (WF BDC) is a great product.

So my understanding is correct:The figure represents how productive the property is relative to its value.The three figures (NOI, value and CR) seem to flow in a circleRental demand drives rent priceThe expected income stream from that will determine what investors will pay for a propertyIf these two factors are fairly uniform in a given market, would cap rates vary that much?

A product more geared for retirees than employers with high income.

Since it sounds like you live in the area, I would do a little research on a good product to use and then visit the house and spray the perimeter (or whatever is recommended). 

Owe an asset, zero down, no pmi, Live in it for 12 months, move out/rent it and buy your next new construction home with same loan product.

@Matthew Mello if you cleaned the oven yourself, rather than paying someone to do it, I do not believe you are allowed to deduct anything for your labor though I believe you may deduct the cost of any cleaning products used exclusively on the stove - though I'd recommend only doing that if you have the receipts.

If it used in that way, I can show a side by side comparison that will show that the HELOC will out perform any fixed rate product.

- you need to find a lender or lender product that uses a new appraisal value and not the original purchase price when doing a cash out refi - or wait 6mos-1yr and then the cashout will automatically get a new appraisal for the refi.