Big Banks like Wells Fargo, BOA, Citi, US Bank, and Chase utilize lending programs aimed to service large swaths of depositors.

Quote from @Elisabeth Lernhardt: Today I found out, that some of the utilities were not in the tenants name!

Utilize tools like BiggerPockets for resources and calculators, and consider creating a simple spreadsheet to track property details, budgets, and timelines.

You need to work with a lender that will utilize STR 1007 Data and/or AirDNA Income on a REFI.Tough deal but we do this consistently.

If you’re looking at retrofitting to separate heating for each unit (like furnaces or mini-splits), you might be looking at a higher upfront cost, but it can shift utility expenses to tenants and improve your NOI.I’d factor in boiler age and efficiency when analyzing deals and if it’s near the end of its life, negotiate a price reduction or a credit.

Now purchasing a home with cash is always good b/c obviously cash is king but also I think the part you might've missed is that, the money your utilizing on these home's won't actually be yours, but the banks or whatever institution you used to fix the home or make its value worth more.

Did you have taxable income that could’ve been reduced utilizing tax strategies?

Would you be willing to describe a bit more about how you determined your utility caps? 

Not to mention they wrote of over $300k worth of taxes for me utilizing a cost segregation study. 

I have also utilized owner financing for longer periods of time, including personal residence and 2 barrier island houses on the coast of Florida.