The fact that prior to your post above I could barely get an email with more than three words shows me that you have lost the human factor of service. 

Then put a screw in the wall into the stud barely above the remote preventing anyone from removing it but can still control the minisplit. 

It did cover the amount of the refinance, but barely.

All properties I receive from her cash flow (barely) at or about 35% DP! 

But it will happen.How index showed barely above inflation appreciation before 2000, I don’t think that’s the case anymore. 

I have my other year but I barely made any money.

If that's not possible, then we pay the utility and bill it back to the tenant or we increase their rent and include utility costs in that charge.At a bare minimum, you need to find a way to monitor utility use and put a stop to this before the bills get so big.

They barely meet that my only concern at this point is the fact that he is given no employment, history whatsoever he's listed himself as unemployed but I know he's had jobs, but without that in a documented form, I have concerns

Step 1 is getting your expenses to bare bones, next to nothing cost of living beyond the basics.

Basically, I don't want to just get the bare minimum I need for lender, but.I actually want to get something worthwhile if things go wrong