@Scott Trench there isn't any good or intelligent reason. 

Reason why is because FDIC Bankers "Do Not" charge points on traditional programs like primary homes, standard investment purchase and refinance, Second home/vacation homes.Lenders, Brokers all charge points to meet their Loan officer compensation plan (commission).

Whether it’s true or not doesn’t matter as much as the fact that the industry at large believes it’s true.

True, but that doesn't mean the other people there aren't worth meeting. 

This is true for me anyway. 

If you Bank/Lender does not allow it you can refinace the mortgage into a DSCR or true Portfolio loan program. 

I don't know where to invest, really drawn to Columbus for many reasons (some cash flow and stable appreciation)--what's been some people's positive and negative experiences in Columbus? 

You’re probably thinking you have to offer asking price – not true!

I have made reasonable efforts on all complaints - but I guess you can never make some people happy.

I believe it is completely reasonable to have a clause in your lease that places a cap on utilities with any overage (proven by a bill) being the responsibility of the resident.Our clause states that any electrical bill (we don't have gas, and water has never been a problem) that is over double the same month's bill from last year will have the overage assigned as a fee.It is important to keep your bookkeeping straight if you do assess a fee.