Normally I would say HELOC but in your case I'd refi to get rid of PMI. 

Below is part of an email I received from my property management company after I asked them if they could get me three quotes for repairs / work that need to be completed:"Damien,Estimates are not going to be free ( Cost of normal estimate is $89) and I might can get two different estimates but I don't have 3 licensed vendors to do estimates for all the stuff on the list. 

With that said, I know homes at 40^ occupancy that makes TONS of money (although those are normally larger properties)2.

Last multi-family we made an offer on had 8 offers on it, and that is fairly normal. 

You can only address normal wear and tear.

Is that normal?

Is that normal?

I am guessing that the way they are calculating is lawful, provided the disclosed APR is accurate and  based on a normal year.

We do have a property manager who I feel has done his best but may not be super versed in dealing with the voucher program.Is this timing normal?

You certainly need to have reserves for the normal operations of any investment property.Yes, I was saying save cash for a DP on another deal.