Your draw to fire time is also pretty slow until you have built the muscle memory.

Usually, a good letter, or good wording will alleviate any Freddie/Fannie guideline rules.  

Water bill for the month is $100.Unit 1: ($100 * 1/2) * (2 tenants / 5 tenants) + ($100 * 1/2) * (1000 sqft / 1500 sqft) = $63.33Unit 2: ($100 * 1/2) * (3 tenants / 5 tenants) + ($100 * 1/2) * (500 sqft / 1500 sqft) = $36.67This third method is much more complex to do, but a simple Excel spreadsheet can help alleviate the headache of doing this monthly.There are other ones you can do, like bathroom total ratios, dishwasher vs no dishwasher / washing machine vs no washing machine if the units differ.In the end, you recoup the full cost of the utility bills and bill it as rent + Utility usage (variable) (Check with local landlord laws to determine if you are able to do this).

I've only done commercial RE renos with a 'plugged-in' architect and 'connected' expeditors.Even though it's under the clean image of Fulop, the muscle memory and the seedy institutions that make it the most corrupt city in the history of the United States live on indefinitely.  

In other words, does the animal work, provide assistance, perform tasks or services for the benefit of a person with a disability, or provide emotional support that alleviates one or more of the identified symptoms or effects of a person's existing disability?"

I've suggested many options to help with paying the credit cards back including taking out a loan on his employer 401k which is at a much more favorable rate and would alleviate some of that pressure.  

Now, if we told him that the cashflow we get back would be going towards housing my in-laws that may alleviate some of that.

I am sure he is very angry about this but I am just too stressed to muscle my way in the house.  

In what ways does having the pet alleviate the symptoms of the tenant’ specific disability?

If yes, it will be harder to get the loan.You can alleviate the DTI by getting a Multifamily, with rental income that will off-set the monthly payments.