Seeing two charges for $855 sounds unusual, so it’s worth questioning your lender directly.

When I was reviewing the rental agreement and talking with her about the importance of using cutting boards and not cutting directly on the counter top, I asked her if she had a cutting board (I don't give tenants a cutting board, plunger, shower curtain liner, welcome mat, or shoe tray if they already have such).

Crime, homelessness, etc rapidly increased causing the above to directly increase as wellEverything else:1.

Or your direction shifts. 

Have you personally used creative financing for any of your fix and flip projects?

I ended up directly contracting with the tenants as they will be paying the rent themselves.

If so what's the best way to structure or creative ways to structure if purchasing multiple homes?

I fired one PM company, placed 6 tenants in the course of a week myself and hired another one directly after that.

I think they are grasping at anything they can to make up for competition and direct bookings coming on strongly.

So I made a compromise with myself, instead of putting that $100 directly to my principle, I'm opening a brokerage account that will have $100 deposited into it automatically every month and invested in index funds using dollar cost averaging method.