If you made housing free the same bleeding hearts would be complaining about utilities.

Typically, if you have a mortgage, the mortgage company will collect taxes and insurance when you pay,  so there is not really any budgeting required for this.

There are two main ways to utilize this exemption.

Where did you take into account the landlord paid utilities?

Fully furnished, with all utilities included.

That's the reason there are so many fourplexes and so few fiveplexes or even sixplexes.From what I gather, post offices and utility companies rarely care much about the permitting/zoning issues, so it probably wouldn't have been hard to get those set up.

Even something as simple as utilizing ChatGPT to speed up certain processes such as asking for generalized information on a market's demographics and immigration patterns can be useful and save a lot of time.

 @Patrick Pan not all states take such measures, and you can ask a reputable tenant screening company in your area how that works.  

To the insurance company they will view an STR differently than a LTR.  

Do they use a servicing company to make the payments directly to the , or do they make payments directly to the seller and hope they pass them on to the lender?