Performing notes the investor makes money from the monthly payments at a ROI determined by the payments and the amount paid for the note.  

You must determine what it is worth to you.

Here’s what I do with my rentals:I either have tenants split the utility bills or include a clause in the lease that states if the gas or water bill exceeds a specific amount ($X), the tenant will be responsible for the overage, provided there are no leaks or other infrastructure issues contributing to the high usage.To determine this $X amount:Water: I take the highest water bill I’ve had over the past year (excluding periods where leaks occurred) and add about $15 to account for small fluctuations or potential increases.Gas: For gas, I calculate the median bill during the winter (when usage is highest) and the median bill in the summer (when usage is typically lowest).

I think the reason many of us are following this thread is to determine if it's a good company to go with, and if it's not (not really looking like it), then where else shall we go?

I'm not waiting for the elections to determine my investment actions. 

But I was determined to find someone who can help me fund them. 

A DSCR refi would depend on how long you have had the loan and what the prepayment penalties might be.To determine whether a DSCR refinance is advantageous while considering prepayment penalties, follow these steps:1.

Your scattered approach is going nowhere fast (analysis paralysis) and is highly likely to result in someone taking advantage of you:(Recommend:1) Figuring out what investment approach suits your skills & risk tolerance2) Determining where in the US to apply your chosen approach3) Learning everything you can about that market4) Networking & building contacts & team in the market5) Doing a "test" investment in that market to make sure your expectations are met6) Investing more if your expectations are met.-- If not, go back to step #1 as you many have chosen the wrong approach!

I know a lot of them will need work put into them but the ones I’ve come across just need a little more then what I have right now, but I’m determined to find a way!

It depends how much income you are getting in a year to determine the max loan you can get from a lender.