But I will reach out to her because as you've said, I do tend to give the benefit of the doubt and perhaps she was unaware (even though she's ultimately responsible).

There were other benefits to the loan and it was more than competitive but I’d rather have that flexibility.

i still have it.i did not and do not have a coach, but i went to lots of REIA meetings when I got started and benefited tremendously. 

The only circumstances that my spouse can use my VA loan benefits is if I was disabled for a specific amount of time, killed in action or a POW. 

But if they were just replaced... then you still need to budget for them, but the expense is much further out.This is also why cash flow is only one of the benefits of owning real estate.

Based on our understanding the SHA can cover that cost, and it'd be a benefit to the tenant since they've had issues covering utility costs in a timely manner in the past.Our questions:- Can anyone else that works with the SHA confirm they let roperty owners include a flat rate utility charge as being covered?

The current interest rate environment’s impact on HELOCs will offset any potential benefit very quickly.

I am thinking it would be best to assign the benefit to my husband and I as the buyer. 

I say this for your benefit.

The way it's marketed, you're supposed to make money in four ways: cash flow, capital gains, amortization and tax benefits.