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We refused the access and cancelled the remainder of our booking with Evolve5) Evolve is charging us $250 for cancel a contract they breached repeatedly, plus 50% fine on the terrible future bookings we cancelled in an effort to protect our property and reputation.6)Evolves' Success Team (Connor and Joel) both blamed Airbnb for Evolve's inability to vet or uphold any kind of standards in booking.7) Before this awful year trying to work with Evolve on our new TN property we worked with VRBO and Airbnb directly for our other properties for 8 years.

The properties are either one street down from each other or are 2-4 buildings next door.Property #1 (Currently live in with my family and I)Purchase Date May 2021Mortgage Balance: $117,898Rate: 3.625%Mortgage payment including escrow: $870.51Purchase Price: $143,000Tax: $3,308Estimate to sell in today's market: $190,000- $210,000 based on current sales in the market this yearHOA: $110 monthly includes Water and building insurance and other maintenance for the propertyProperty #2:Purchase Date:: April 2022Mortgage Balance: $135,756Rate: 4.625%Mortgage payment including escrow: $1,375 (payment normally $1,059 but payment increased due to low balance on escrow because of tax increases)Purchase Price: $148,000Tax:  $4,578Estimate to sell in today's market: $190,000- $210,000 based on current sales in the market this yearHOA: $100 monthly includes Water and building insurance and other maintenance for the propertyRent: $1,400 a month only water is included in rentProperty #3:Purchase Date:: February 2023Mortgage Balance: $118,518Rate: 5.99%Mortgage payment including escrow: $1,315 (taxes have gone up for this property as well)Purchase Price: $132,000Tax: $4,522Estimate to sell in today's market: $190,000- $210,000 based on current sales in the market this yearHOA: $100 monthly includes Water and building insurance and other maintenance for the propertyRent: $1,400 a month only water is included in rentProperty #4: (We were thinking of selling this and take profits but not sure to be honest)Purchase Date:: February 2024Mortgage Balance: $139,408Rate: 6.75%Mortgage payment including escrow: $1,332Purchase Price: $147,000Tax: $4,130Estimate to sell in today's market: $190,000- $210,000 based on current sales in the market this yearHOA: $100 monthly includes Water and building insurance and other maintenance for the propertyRent: $1,350 a month only water is included in rent

Is this standard practice or a red flag? 

We always had the water bill in our names.  

@Dennis Cobos, following what Luke said, most lenders should be able to offer this as 10% down is standard for a conventional second home purchase. 

Maybe buy a 1.2mil duplex on the water and live in half.

The people for some reason had water turned off and were doing the deed every where.

LPG is the gold standard in Toledo.

that is the point @Chris Seveney is making one simply needs to look at Peer st BK to see how that works. unsecured notes are just that and are last in priority in the case of a water landing and you wont know that happens until it happens everything is great up to that point..