Change out lights with low-e permanent LEDs, and make sure you have good furnaces so they don't use space heaters, and you will be fairly safe.

Like I said rents in Oregon if you look back were flat for a good 10 years.. there was signing bonus's and rent decreases.. not many if any rent increases the increases were the last 5 years and in some areas they were substantial like 50% in 3 to 4 years.this led to a back lash in the city of Portlandia so now you have all these people screaming for rent control and you have the law that did pass were you have to pay 4500 to terminate a lease.. and other sundry items..

Just because a tenant is the one paying the utility bill should not stop a conscientious investor from "greening" their properties.I always cringe when all folks do is complain about low-flow shower heads and their disappointments with unattractive LED lighting.

So currently I have no home I've rented or bought and funny thing is that so many quit that led me to finally chose that I wanted to do it.

My electric in a 4-plex unitizing 3 led vestibule motion lights, outside motion parking lot floods, exit lights, as well as emergency back-up hall lights- comes to about $15 a month, and that is at the higher rate.

On the investing side, this has led me to owning 3 duplexes since moving here; something that would be unthinkable for my wife and I if we stayed back in California.

If you have been at your current job for 2+ years then normally you can count anything you get including bonuses (if recieved for 2+ years, overtime, and or commissions)I am looking at the debts you listed and I am led to believe that there are many things missing such as an auto payment, credit card debt, student loans, etc.

Personally, I started with general REI investing books which led to the following paths: rental property ownership, landlording, types of RE financing, understanding micro/macro economics, understanding currency etc.  

This led me to believe that apartment syndication is only for those that have $100k+ to invest.

Of course this led to multiple issues I can't disclose, but I am just saying not everyone with enough to lend would choose to use a branded email.