The customer with “legal issues”.

The loan amount would be between 900k  - 1M which means it is just under Agency guidelines (know fannie goes lower but I don't think its worth the headache).

Most go by Fannie/Freddy guidelines which is max 70% LTV

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.

Many lenders have specific guidelines regarding late payments, but some may still work with you if you've made up missed payments and have shown consistent recent payment behavior.

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

However, here's a general guideline that you might consider:Stocks: 50-60%Stocks offer the potential for long-term growth and can help protect against inflation.