As for the first, yes we'd be able to do that (for example, replacing a water heater which is the mechanical that's closest to the end of its useful life).

Keep your payment at no more than 35% of your income and minimize your credit card and auto debt.  

But they auto-deposited $50 into my "marketing account."

Does not affect your debt to income for future loans in the mortgage industry (auto loans could look different, but i would think similar so hopefully no worries there). 

Again even if you have great credit as you start to add more credit cards, mortgages, auto loans to your credit you can also be viewed as "High risk" due to Excessive trade lines in credit or higher DTI - debt to income ratios. 

A friend of mine recently got a $2M umbrella policy for around $300 annually by bundling it with home and auto insurance; it’s worth exploring.Out of curiosity, are you primarily investing in residential properties or venturing into commercial spaces?

Not only low-flow, the flushing mechanism reduces the likelihood of clogs.  

We have numerous who have their payments set up to auto-pay.

If companies require you in office, and the companies are based in cities where housing is becoming unaffordable then inherently from a supply-demand mechanism-- there's a short. 

This is basically what I made for myself:So every morning I get a report of everything new that hits the market in LA/Ventura, and I can just click the google links, check it out on RedFin/Zillow, and if it seems promising, fully underwrite it (using tools and/or manually), then offer on it.Don't try and come up with an auto-offer estimate, you can't tell the visual quality of the home or how much the construction will be, etc, stick to estimating values of renovated and distressed property in your tools, make it easy to fill those comps/value metrics into an underwriting model/proforma, and let the end users tweak numbers/select comps/etc so they feel confident in everything.