You will also have to factor in the closing cost for the new loan.

I believe it is completely reasonable to have a clause in your lease that places a cap on utilities with any overage (proven by a bill) being the responsibility of the resident.Our clause states that any electrical bill (we don't have gas, and water has never been a problem) that is over double the same month's bill from last year will have the overage assigned as a fee.It is important to keep your bookkeeping straight if you do assess a fee.

They have no 2-factor authentication and don't email you to confirm that you want to update your login, both of which I'd consider industry standard these days.

The referral fees, which operate similar to a multi-level marketing models, often incent these students to post the rare assignment fee check that does get done to every social platform they can and make it seem like they have an "in' with the guru leading the program. 

It sounds like you've absorbed a bunch of problems already and a new sewer line and the current basement situation will cost you way less than the $50K in fees to sell it. 

The terms for a 2nd position loan on a rental is 6%, 25 year term,  and 2 points origination fee.  

Do the calculations factor in default rates?

I think they all have fees associated with the account if it doesn't meet the threshold.  

HELOCs are usually variable rate and there may be yearly fees associated with maintaining the HELOC.

@Vincent WeselakIt’s a good idea to get an estimate for your insurance costs upfront since this can vary based on the property type and location, and it’s a key factor in evaluating your cash flow.