Our capital is limited so we may try to use fix/flip to build capital as well as bringing in outside investors.Maybe we could grab coffee sometime and talk!

I'm looking to work with a broker who can shop around for the best quotes.

No concept of the expenses like Linens and credit card fees and commissions and self employment taxes and cleaning fees and handyman fees and coffee type setup coats and furnishings etc. no concept of how rapidly people are jumping into short term rental and can drive down occupancy and prices over the next several years.

This will vary be lender, but just be aware of that and shop around.Also, as of now, I like the HELOC route, because I don't have to pull all the money out at one time.  

In the interim, start the shopping around for a good REFi product with a great interest rate amortized over 30 years. 

VA loans backed by the Department of Veterans Affairs even allow veteran borrowers to obtain 100% financing on a home.According to the Consumer Financial Protection Bureau (CFPB), before shopping for a mortgage a borrowers should:Check their credit reportAssess how their spending habits will change with a mortgageBudget for additional or changed expensesDetermine how much of a down payment is neededDecide on a purchase price of a homeCreate a loan application package with personal and financial information including pay stubs, W-2 forms, copies of recent tax returns, bank statements, and proof of identity2.

I would shop around but I don’t think you should have a problem finding lenders that will accept 20% down.  

There is a learning curve so keep that in mind when shopping for software.  

Congrats on starting shop in KC @Brandon Toron!

You would pass water, electric and gas on to the tenants so you can exclude those from your analysis.For insurance, call an agent in your area to get an estimate or use one of the numerous online comparison shopping sites (you can get a quote without owning the property).