Would you be willing to describe a bit more about how you determined your utility caps? 

They’re requesting what feels like an unreasonable amount of information, and the demands keep escalating.So far, they’ve asked for:A video tour of my home officeCredit checks on me and my partnerCopies of the deeds for every property we ownA copy of my partner’s home lease and utility billsBusiness phone billsA signed letter from the bank verifying our accountsBank statementsHonestly, it feels more like qualifying for a loan than trying to become a customer.

From what I can tell, the extra equity on the house could be utilized to provide better ROI.  

What about the utilities, property taxes, maintenance and repairs, capex, etc. are any of those optional for you?

While this may be risky in other ways, you'd be able to continue to grow your portfolio without taking as much equity from your income producing properties and possibly sustain your continued cash flow with them. 

I’ve been in this unit for almost a year now and I’m thinking about moving out and renting an apartment for $1000 a month all utilities included.

Originally posted by @Jack Grove:@Okansa Patrick Were you required to utilize a hard money lender when dealing with New Western?

Would it be wise to buy the land with cash we have or utilize as down payment to avoid PMI?

However, financial freedom isn’t a one-time event; it’s about sustaining your desired lifestyle for the rest of your life.Once you clarify your goals, the next decision is where to invest.Investment Market/CityThe most important investment decision you will make is where to invest.

Quote from @Elisabeth Lernhardt: Today I found out, that some of the utilities were not in the tenants name!