If you need financial help, ask under the "Finance, Tax, and Legal" forum.

Is it legal in Oneida County in Upstate NY to charge tenants a flat rate for utilities?

Security deposit amountYou can find plenty of examples by searching for "tenant estoppel certificate doc" or exchanging "doc" with "pdf" for more options.Here is an example and explanation: Sample EstoppelSome have a lot of legal jargon but this document does not need to be so detailed.

However, you need to learn about it specially the legal aspect behind it so you comply with the SEC but yes, it is possible you can buy properties without using your money.

Legally, in Alabama how long after missed payment can I do a pay or quit notice? 

First, they legalized Airbnb in non-owner occuped properties.

Many of those on this board who call themselves lenders are really affiliates.So long it’s done legally in your state, there is nothing wrong with being an affiliate and receiving a fee. 

Can lend in All legalized states.

Check local courthouses or legal publications.Foreclosure Lists: You can acquire these from local courthouses or subscription-based services.Tax Delinquent Lists: Homes with overdue property taxes can be potential investment opportunities.

You could look at filing a complaint against the original contractor - realizing those don't often go anywhere, but it's something.