When I first paid for excess water usage, I calculated it based on the same quarter the previous year.

It is excessive to deny a new tenant because their prior residence had an infestetion!

Also, a reason not to accept a security deposit from a nonprofit or social service agency is because if you get into a conflict with the tenant, the organization will "advocate" for them, including legally, and may be quite absurd (and incorrect) about the level of "rights" they claim for the tenant, and this is super stressful, and also, now you have a very entitled tenant who thinks you're obligated to put up with all sorts of awful behavior- because they've been erroneously led to believe that they have excessive "rights."   

I’m finally moving forward with purchasing a small duplex with a fair amount of cash reserves and excessive credit card lines thanks to travel hacking (I don’t intend to use them, but it’s nice to have them there).

Your providing the IRA a benefit is an excess contribution - but not a PT.Am I mistaken?

Hawaii is a good place to hold on to properties if you get them, but like Alex said - you can put the "excess" income to work in the mainland immediately. 

Also what's your market look like by the time this comes online, will rents stay the same or drop because of excess new inventory?

Hi Stefan et all, I too am a newbie just starting to explore and learn about REI so at this point have no much to share but an appetite to learn. 

In any case, you might find the cost will be more than just trucking away excess dirt (or relocating it on site, if you're that lucky). 

Most lenders who charge anything else before closing (especially in excess of a couple hundred dollars) is a scam, but some may be legit.