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

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.

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. 

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

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?

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.

@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. 

We paid them 9% interest (they put a private mortgage on the property) and give them 19% membership interest in the holding company LLC How did you add value to the deal?

Write as yourself, not a company, and tell them you are trying to buy your first property in your own backyard and would love to have a conversation whether they want to sell or not (they probably know someone else).