@Daniel Kevin Lara without asking what the structure of your deal and not knowing exactly you are doing here is my advice: The 0% intro credit card option for a few thousand dollars isn't terrible as long as you have a specific & conservative plan for what you'll be doing and a plan to get it paid back before that intro period ends.

What’s the back up plan in case we only have a short period of moving money into different accounts???

I am currently transitioning into self management of my small portfolio because I think I can run it better and dedicate less time to it by running it more efficiently eliminating many of the current problems I am facing.

The question is, do you as an owner want to get the work done properly, quickly quickly, and efficiently, or are you more concerned with an itemized invoice?

The HMLs I've been talking to on the phone offer me loans for a 12 month period.

Here's what we do (copied from our website):Screening ApplicantsPoor screening often results in lost rents, legal & court costs and costly damages.Screening of applicants includes the following:Full credit/eviction/criminal checks are done, instead of score-driven reportsVerification of rental history includes validation of actual property owner to avoid fraudVerification of stability of income & employment via YTD paystubs & W-2(s) (analyzed to confirm not fakes)Income is calculated 3 ways to spot stability anomalies: pay period, YTD average and YTD + W-2 average.Debt-to-income analysis (more accurate than traditional 3x rent requirement)Bank statement to see if NSF issues, if deposits support income, prove MoveIn Funds, also analyzed for unusual transactions.Pet screeningHolding Fee required from approved applicants to make sure they are serious, before your property is marked pending.

The deferment period varies based upon the amount of the loan 5 years then amortizing for 40 years OR Deferred until: ξ the property is no longer the borrower’s primary residence; ξ the property is refinanced under certain circumstances; OR ξ the property is sold or title is otherwise transferredWhat is the best option here?

During the inspection period, I discovered 2 of the other units were 4-8 months behind on rent.

. - The price we agreed is for 2380 sq ft. and the option period has lapsed. - When we put this on rent, can we calculate rent as per 2380?

and would a new boiler be more efficient and reduce other costs?