This simply means you have language in your lease that states the landlord is responsible for paying utilities up to a certain $ amount (let's say $100 for the sake of argument).

The reverse mortgage company wants buyout and I dont have over 200k to pay out.

I was studying the market and my rent will be just enough to cover the mortgage and HOA fee now I might to pay out of pocket for insurance but don't want to sell it yet because the area is growing and might have good appreciation in the years that follow.

So either you pay for the repair out of the idle cash in your account, file an insurance claim and use those funds, or rollover/transfer funds from another retirement account to cover the cost. 

Buyers don't look for financing and its foreign so they don't jump on a forsale listing on zillow.I've had the best (only) luck with zillow rental adds,   starting with the pitch;  rent to own, live in a great home while you pay off owning it. 

Billing is different for most and more than likely, you'll pay a retainer of some sort up front and have a balance due. 

I would focus on the house hack and not take a pay cut.

I don't see them showing up or paying any of the back rent that's due to become current if they wanted to stay.

All the add-ons are a la carte so you can definitely get a lot of value based on what you need.One thing I personally don't like is that when tenants pay rent, they are charged $1 per transaction for ACH use.

Example, a short pay history - non-redeeming factor, a 25% down payment, a redeeming factor to counter the short pay history.