Same as the other case, I cover utilities, and usage was low, and the place looked like it's in move in condition as the roommate who lived there was hardly ever there either due to his job.Besides not violating the lease, in my case, as landlord, I came out ahead.

Not a financial expert, but from my own experience paying off a huge chunk of debt only made a significant increase in my score if it dropped me into the lower percentile of debt usage. $24k of debt w/ $100k available isn’t as big of a deal compared to you only having $30k available and are pushing that limit.

@Brian Pham be careful using credit cards for the rehab, I've seen investors go that route and once they're done with the rehab, they can't get out of the Hard Money Loan at a good rate because of their DTI ratio which spiked due to the credit card usage, if your only option is using credit cards, use a higher interest rate calculation when projecting your BRRRR strategy to see what your deal really looks like at the 6-12 month seasoning period for the refinance

It attracts families and the family market do not want to share the property land usage with other people.

@Jason BlasenakUse credit card service, square, bank, ect.Not everyone has a pay pal account.Pass the usage fee onto the customer, friend or family....

As for water, which she also pays, I cannot put it in her name but she will see her monthly usage and should pay that.Lesson learned about the utilities and making sure that tenants understand what prorate means and they are signed up and all aboard with it. 

@Charles Willie Harris, what do you think about Deal Machine now after 6+ months of usage? 

Also speak with a local surveyor/engineer to see what usage they could see in the property. 

Having only 2 tenants in there instead of 3 should lower water usage by 1/3 which would lower your monthly expenses.

(The exception is when its an inappropriate time to call, then read The Millionaire Real Estate Agent)