I have over a decade of experience in strategy consulting and in real estate underwriting for new acquisitions and ground up developments.

@Spencer Cornelia I just listened to your podcast episode two days ago and read through your 6 part series.

If a dishwasher is 15 years old and the tenant destroys it, you can't really charge them much because the appliance is beyond the life expectancy.To learn how to determine charges for cleaning and repairs, you can read my book in my signature, Brandon Turner's Managing Rental Properties, or NOLO's Every Landlord's Legal Guide.

I own a duplex in Tempe Arizona and looking to continue to gain experience.

Does anybody else have experience as of lately...? 

[In my scenario below, I was thinking about a share of the equity upon refi (what @Jack Pasmore called "the kicker" or share of the upside) since I don't think the seller would agree the property values at only $450K, even though that's what the rent and NOI say]@Jeremy Dugan In my experience, such a "kicker" is only present when the other party is an "investor" rather than the "lender".

Has anyone had experience with this - in other words - can she simply decline the charge without the credit card company reaching out for investigation into the matter?

Don't wait until you know everything; learning through experience is key.Good luck!

Again, there are a lot of things that you are implying about our business on a platform where the information will stay for others to read in the future.

I would recommend spending your morning commute listening to BP podcast or BP daily podcasts for microlearning, grab a BP book that piques your interest and read a bit every night before bed.