Some landlords tried including electric, gas, cable, internet with the rent to the students... students loved it, landlords got clobbered, because students were now leaving all the lights on, their windows open in the winter with the heat on, etc and the electric/gas bills skyrocketed which now the landlord was paying.  

I am a buy & Hold investor..If you have any deals of SFH (3/1+) below $110K with light rehab needed, please send me to evaluate.Good luck!

As you mentioned, it was a huge learning experience and I'm sure that experience can shed some light on your situation.

The UW will then counter the loan as an investment property and require 20-25% down or counter it as a second home with conventional financing with a min down of 10-20%.This is what will happen if a loan officer submits the file as suggested above.It would have to be a pretty rookie mistake by a loan officer (LO) though to submit a file with out the property explanation and documentation because it would not put your file in the best possible light and achieve what you've intended to achieve.Is it possible for her to get a primary residence ?

What is your favorite Portland area for light cosmetic flips?

There are openings in the upper west exterior walls where electrical conduit was removed.10.The stucco in these areas has not been repaired to prevent moisture penetration and deterioration.11.The front unit has issues flushing the toilet, which was confirmed with a tenant, so camera scoping of the drain pipes was performed that revealed damages and blockages in the pipes.12.Deferred maintenance on multiple items: cracks around windows and pipes, gas pipes are not supported, pilot lights in heater units were not lit, a water heater unit has no ventilation.I hired a plumber to scope the pipes (please see his report in the invoice attached and photos); a roofing company was hired to assess the damage to the roof above the middle unit only (please see proposed work sheet); a general contractor has inspected the settlement of the wall in the second unit due to the damaged frame.

Can you shed some more light on the ROI numbers after your non-resource loan?

Take Mom & Pop and your friends and go shopping...look at tiles, and light fixtures and your new furniture and all that fun stuff.Leave the stress with the realtors and attorneys and just enjoy the ride.

If meth was smoked in the unit it contaminates everything, attic, crawl space, insulation, air ducts, appliances, light fixtures, and etc.

Opportunities will pencil out more easily in The Heights, Journal Square, or Bergen-Lafayette, and many areas can access Newport via the Hudson-Bergen Light Rail.Another factor to consider is desirability.