Dec 2018Rehab 10kCash out refi’d to new loan of 152000 which covered down payment , closing, and rehab recoupment April 2019Cash flow 619 per month4th2 unitPaid 219 dec 2018Rehab 16Cash out refi’d to new loan of 240,000 got back down payment, rehab and little extra.

My question is - is there any lender that will agree to a loan with a smaller downpayment, considering i can cover the mortgage with my rental income + LOW job income?  

Cover the last year of mortgage and put some cash in the hand. 

When I moved property values were down and I owed more than it was worth... plus the rent didn't cover the expenses.

Thanks to you all,One more thing though, Should the inspection cover the Lead based paint?

I wasn't sure when it's appropriate to ask for them because I wouldn't hand them out like trick or treat candy either.

The cost of the supplies is returned to the individual along with 10% to cover the time that money was tied up during the bake sale.And in the process, the nonprofit earned income from the sale of the cookies...for which it puts towards feeding the homeless for a day - its purpose.What's the tax implication?

There are a lot of fees associated with being an agent or broker - insurance, Association dues for access to MLS, etc so make sure you are doing enough deals to cover this As an agent you have to work for a broker and give a portion of commission to them, even for your own deals.As a broker, you need experience to become a broker. 

Assuming the rent from the rentals is covering all costs and debt repayment, hopefully with some positive cash flow, it would be counter investing to pay either of them down.

The plan is to get a home equity loan to cover the renovations (possibly convert to a duplex).