One of the tenants has been a recurring problem tenant, causing significant damage to the apartment, causing me to receive complaints from the other tenant, and consistently paying rent weeks late.

See what costs are recurring and which ones are one time costs.

I can see where a ESA could help a person with a disability, someone with severe anxiety or blindness etc and we should have fair ways to accommodate.

Bank of America also has its Home Grants Programs: "Our America’s Home Grant® program offers a lender credit of up to $7,500 that can be used towards non-recurring closing costs, like title insurance and recording fees, or to permanently buy down the interest rate," and "Our Down Payment Grant program offers a grant of up to 3% of the home purchase price, up to $10,000, to be used for a down payment in select markets.

A couple of things we do to deal with our fears/anxieties:1.

I reasoned the $193,663 can be used as reserve for metering the property and other needed non-recurring replacements.

Lenders use any debts that appear on your credit report as well as an recurring withdrawals from your bank account.

So after a moment of heart sinking anxiety, I remembered this slick little tool I got for Christmas from my father-in-law (I had borrowed his for the door jambs and flooring install so he bought me my own so he could have his back... lol. 

A simple Google Doc that links to a drive full of Checklists and How To Videos can become your Business Procedure Doc that will enable a new member to take over tasks recurring tasks.

They have the applicant load up their deposit accounts and they give you their recurring and non-recurring deposit summary for the last month, 3 months, and year.