Everyone's favorite answer in real estate---"it depends".That being said, you have to start somewhere to figure that out.

., 10-year interest-only options), and non-recourse structures.Competitive Rates: Recent transactions show rates ranging from 2.69% to 4.65% depending on LTV (55%–80%) and property type.Lender Specialization: Some lenders excel in specific areas:Greystone and Walker & Dunlop lead in Fannie/Freddie volume and large-scale refinancing.Arbor Realty Trust is praised for smaller-balance loans and flexibility.CREFCOA offers streamlined refinancing with 45–60 day closings and cash-out up to 80% LTV.HUD 223(f) loans provide 35-year fixed terms, ideal for stabilized properties.Questions for the Community:Have you worked with lenders like Greystone, Arbor, or Freddie Mac?

It depends on what municipality you are in here in the Tampa area.

Most PM software allows late fees to be charged.Ours allows us to absorb the cost of tenants paying electronically thru the software - it usually wants to charge tenants, but we want them to pay electronically.We manually charge tenants a Processing Fee for mailing in their rent, a slightly lower Processing Fee for depositing to our bank.Your success will depend on the Class of your tenants.

The amount depends on negotiations between you and the property owner. 

@Will F. some of this will depend on what you have to lose if you were sued.  

Really depends on what they are looking for as well as long term plans.

It can get pretty expensive what would anyone suggest or should I write the lease so that the next tenant depending on time of year should I do not include a specific utility and adjust my rent because of it ? 

Depending on your risk tolerance and investment goals, exploring short-term Treasury Bonds, high-yield savings accounts, or diversified alternative assets like private lending or REITs could also be worth considering.

It works...but any marketing works, it just depends.