Opt 1) utilizing our savings in the brokerage account and emergency fund and pay for it all up front. 

Be sure to utilize tools of the trade for the best information.

My vote is if you are going to continue to buy, you need to utilize leverage.

Get your insurance in business name, utilities can be put in business name.

Renting out a room is a great way to get started, and I wouldn't get too settled into the "going rate" use that almost as a floor. 

Where did you take into account the landlord paid utilities?

These typically include services like renters insurance, HVAC filter delivery, pest control, and sometimes utility management.

I believe you can also utilize an independent savings account, but you should check with the bank to make sure.

@Vidit Maini You might want to be more specific regarding what type, if business you want to start.

They’re requesting what feels like an unreasonable amount of information, and the demands keep escalating.So far, they’ve asked for:A video tour of my home officeCredit checks on me and my partnerCopies of the deeds for every property we ownA copy of my partner’s home lease and utility billsBusiness phone billsA signed letter from the bank verifying our accountsBank statementsHonestly, it feels more like qualifying for a loan than trying to become a customer.