How can you estimate how low of an offer the bank will accept or deny ?

@Joe SplitrockOur bottom unit tenants were heavy drug users with a history of physical abuse. 

She applied for a license, they denied her on a technicality, told her to re-apply.

I was denied access to them two times.

I used a similar tax program when I owned property in Minnesota and I was denied the Star program here because of that.

If I were to choose to contribute to a charity it would be the Humane Society.Nothing more rewarding in my opinion than assisting a helpless or abused animal.

Some examples are: lease/lease addendum docs, deposit to hold form, Move-in instructions that a tenant gets when they receive their lease documents, a form for when we deny applicants, move out instructions, etc.

Bascially, we never even got inside - seller denied us access.  

But in those cases you are increasing rents to cover increased expenses and maybe padding a bit to your advantage.The downsides to both are that when tenants don't pay for utilities, they tend to abuse them.

This is a tried and tested strategy that is widely used (and abused) in ultra-hot real estate markets (see: Toronto and Vancouver).