But to date, I've just set my rents at a rate that accounts for me having to pay the water bill - and informed the residents that each year I'll increase the rent based upon my expenses (including water), so keeping the bill down helps me to help them.But one problem this could cause is if increasing the rent to cover the water bill then places your rent above the market rate.

Post this in the classifieds section.

You can also elect a 40 Year with the frist 10 Years as an I/O interest only or I/O 5YR ARM versus the 5 YPPP and just take a 2or 3 YPPP that should help maxmize cash flow.  

Quote from @Richard Henry: Thank you! 

I ask from an ignorance perspective -- what's unfair about the commercial loan game and how does a mentor help?

Heck, maybe they want to learn what to look for.

Whether you’re just starting out or you’re a seasoned investor, BiggerPockets has a ton of resources to help you along the way.

For this reason, many investor agents choose them. 

Quote from @Renee Tan: Quote from @Michael Smythe: Why do you want to learn Yardi?

Learning a lot every day and certainly worth every cent.