@Vivian Yip  We just use a very generous utility cap. 

.- Generally landlord-friendly state, no rent control- Secure government jobs/contracts make the real estate market much more resilient to recessions / major corrections- 15-minute drive to the Capitol of the United States- 4 Seasons- 15-minute drive to Arlington, Virginia (Amazon Headquarters 2 ((2017 announced, 2030 is bringing 25,000 new high-paying    jobs to the area)), Boeing Headquarters (2022), Microsoft Headquarters (2021), CoStar Headquarters (2024), Bloomberg    Headquarters (2017 expanded), Deloitte, and the list goes on)Thesis:Although more companies continue to go back to the office, there will be a shift toward a good amount of workers being able to be in hybrid roles.

The city's macroeconomics is looking great - lots of population and job growth due to the booming tech scene and many companies choosing to move and develop here.

As for the refi side, DSCRs are an excellent tool to utilize as they are based off the property, not you as the borrower, so no DTI hits / personal income verification required.

They could buy just the battery and not the solar if their problem is really the power company turning off the juice. 

Monthly expenses will include mortgage payments, property taxes, insurance, utilities (if applicable), maintenance, and reserves for repairs.You’ll need at least 3.5% for an FHA loan or 20% for a conventional loan, plus cash reserves.

All 4 of us have different mental health concerns because we were put in the pipeline from a company called Telamon via the local VA medical center. 

What do you think about refinancing FHA loan into conventional in order to utilize FHA loan again or does there have to be waiting period?

@Jay Hinrichs is correct.However, the following seasoning periods are what I am working with on the DSCR programs that I utilize for my clients.

I would suggest contacting companies for each trade and get an average bid from each sub.