Thanks for sharing.I would also, add that you can get some 0% for 12 months on supplies from Home Depot and Lowes store financing promotions, and I have financed previous business inventory with 0% credit card transfers(really 3-5% transfer fee for 9-14months) would buy the inventory on the AMEX and get 1% rewards points rebate, use for travel/family gifts/etc, and have 30-45 until due, then transfer that balance to the card with a promotional deal, I have found that Chase and CITI always have some sort of low rate balance transfer deal.

-What are the needs of the specific tenants you are chasing?

My opinion, you are chasing a $5 with a $20 by trying to split the utilities into individual metered service.If you start to put electric panels into a property, you have to run service from the street for each new panel. 

3/ is it recommended to go via mortgage brokers vs a standard agency (say, Chase/BofA, etc)4/ the area we are looking at is Central /South NJ,.

The question is how often does the federal government chase after a small fry like me performing a step transaction just trying to not run out of money in retirement.

You will be chasing rent while being transitioned back to your drama filled junior high days.My .02, if you are looking for push button money, this ain’t it!  

@Sagar Parikh definitely call the reconsideration line also walking into a branch can get better results especially with chase bank below are some links that may be useful https://www.crediful.com/credit-card-reconsideration/https://www.youtube.com/playlist?

@Chase Gruening if the seller is firm and tight there's no other way to get to the closing table other than give the seller what they want.

I made the mistake early on chasing returns in a cheaper market but part of my returns came from returning home late @ night taking care of those unexpected occurrences. 

Not finding anything on direct bank websites ( BOA, Columbia, Chase, Etc).