I also think that demand for U.S. treasury bonds (which underpin most fixed rate permanent debt products) will dramatically decline over the next 20 years, which will cause interest rates writ large to substantially increase across the board.

Otherwise, having a conversation with them on how to handle things like this moving forward would be productive in seeing how they respond.

It's just a product of the modern internet age and you are right, they always have a new way of skirting the rules.

So, investing in a market you don't know is like saying: I am going to open a retail business without knowing what product you will sell, how to source the product, or who your customer is and what drives them to purchase.  

Great tools that get updated regularly.I am on the lending side of things and would be happy to hop on a call with you anytime to discuss financial strategies and help answer any questions you may have about nearly any loan product available to help you on your journey, even if they are not products my capital partners offer.We are all here to help you learn and grow.

It solves these kinds of issues is a VERY simple way allowing you to focus on other more productive things. https://a.co/d/edtWLq7

Agree with @Ian Ippolito 100% based on my experience in fund formation and product development in private alternatives. 

If the inexperienced investor knew how much work, effort, time, analysis, negotiation, organization, capital, and knowledge it takes to successfully find, identify, evaluate, and close on a property that fits the criteria that gurus falsely claim they see 100’s of every day, 99% of them would abandon their real estate dreams” and pursue ostrich farms, mink breeding, or setting up a “down line” to sell condensed cleaning products that their “upline” has an exclusive distributorship on for the southwestern quadrant of Bisbee, Arizona.  

Currently landlord pays for all utilities, is a system/product/device that can be installed to the water meter that tracks the usage of water through each unit so I would be able to bill the tenants separately?

Being surrounded by like minded individuals, whom are at all levels of their RE journey, is amazing and you can learn so much from all of them.I am on the lending side of things and would be happy to hop on a call with you anytime to discuss financial strategies and help answer any questions you may have about nearly any loan product available to help you on your journey, even if they are not products my capital partners offer.We are all here to help you learn and grow.