Run a credit/screening report on yourself.

I don't have the capital to replace the HVAC at this time or the credit to finance it.

If you’re looking at retrofitting to separate heating for each unit (like furnaces or mini-splits), you might be looking at a higher upfront cost, but it can shift utility expenses to tenants and improve your NOI.I’d factor in boiler age and efficiency when analyzing deals and if it’s near the end of its life, negotiate a price reduction or a credit.

Choosing the right lender for a HELOC (Home Equity Line of Credit) can make a huge difference depending on your goals.

.* Receipts and Expenses: Once I brought to Jenny's attention that we were 20k above budget, she refused for days to give me the receipts, saying that I needed to give her my credit card statement first.

What documents do they require, what credit scores do they allow, how do they verify previous rental history, etc.?

Since they're low income/tax credit, they just don't make the kind of money needed to pay those huge premiums.

im in Orange County CA and there is a huge market here for room by room rentals here. i've been doing this for quite some time (over a decade now), and it certainly has its pro's and cons. my advice if you go about this is make sure you do proper vetting before moving someone in... not only for financials/ credit-worthiness, but also for temperament and expectations in a co-living space. we ask a lot of questions like "how do you handle conflict?"

Do you have W-2 Income, 20% down, reserves, and a decent credit score?

No social or credit pull needed upfront.