Then compare that to what you’d net by listing it as-is—factoring in the time you save and the carrying costs you avoid by not renovating.It might seem straightforward, but once you dive into the numbers, the difference between renovating versus selling as-is can be surprising.

Considering the rates I am being quoted, I am a little surprised more investors arent talking about this.

I'm thinking of telling tenants there's a $500 utility charge included in the rent as a convenience—so they don't have to deal with setting up accounts.

This would mean you wouldn't have anything out of pocket.They could surprise you and offer to do all owner financing or do it for a few years with a balloon payment.I made an 3 offers on a house and to my surprise the owner gave us all owner financing with a small downpayment and zero percent interest. 

What surprised me is that USAA covered all of those houses.  

The accuracy is surprisingly high and a bit saddening.

I've tried multiple times e-mailing and calling Delta, who have now conveniently started to forward all incoming calls to voicemail. 

YUP minimum requirements.. although you would be surprised how many folks cannot get a bond because they lack credit score.. this will weed out the really poor players and give state a vehicle to regualted those that violate the laws without all the grey area currently.

Windows would be my next check-point (less than R1) and then wall insulation: I would not be surprised if they have no insulation inside, but you can do blow-in, which only requires a small hole.A home looses heat in two ways: heat conduction (which you can slow down with insulation) and drafts, which in old houses is usually the biggest culprit.

Some banks even offer features that allow account holders to manage individual tenant information within one account, making the process more convenient.