Would I use then in addition to an attorney or can I utilize their services to both foreclose and clear the title?

It’s very common in my area to have roommates so that could be an option to maximize income from both units.

Most of my utility consumption is gas.

@Sam Peterson You can utilize different online companies (web, phone apps, etc.) for this but if you're new to REI you could gain traction by making your own.

Some lenders may still offer 10% down, but they might require strong compensating factors such as excellent credit, higher reserves, or a low debt-to-income (DTI) ratio.The requirement for 12 months of reserves is common with jumbo loans right now, especially in Southern California, where property values are high.2.

In a former life this was fairly common but I would have it paid to escrow and then credited off my origination fee, if that makes sense.

Do you notice commonalities about them?

If it looks to be a solid deal then use your knowledge of which expenses should exist and if utilities are in question you can always call the provider.

Love that you're looking into BRRRRs, thats becoming more common and I can see why.Are you looking at particular areas besides Houston?

The way to handle it is to allocate expenses based on the percentage of the home’s square footage used for rental purposes.Here’s how it works:Calculate Rental Percentage: Add up the square footage of both the in-law suite and the rented room, then divide by the total square footage of the house.Apply This Percentage: Use this rental percentage to deduct a proportionate share of expenses like repairs, utilities, and mortgage interest.This post does not create a CPA-Client relationship.