Some people will choose to include holding costs, finance costs, and closing costs into the all in cost of the property so when you refinance you have none of your own money into it.

But to be honest, I also have no idea how I'd to choose between an agent.I'm doing ok financially, low debt, no job right now, but I have a good scholarship and a job lined-up for after graduation.

Try to avoid sending that 'adverse action' letter, and if you have to, choose your wording carefully.

As far as cost/choosing who to go with, most helocs cost a few hundred dollars to open, then your rate is a variable rate based on the prime rate plus a small amount depending on the institution.

The average person searching for a job now has a huge variety of jobs to choose from and can apply for multiple jobs with the click of a button.

@Brittany Logue if you're planning to work with a lot of investors, be sure you choose a brokerage with resources to support that goal.

Many to choose from.3 - Should always have a pet clause on your agreements. 

@Mauricio LopezTell Karen that in this country we can choose where we live but not who our neighbors are.

Why did you choose this market if you have no connections?

Seems like there is room for other choices but at the worst, choose another deal.