In my area it almost always requires including all of the utilities so if that's the case for you don't forget to factor in those add'l expenses. 

If I was in your shoes, I would first look into this option of tapping into the extra VA benefit that you have yet to utilize before doing another refi. 

Hi,   I have been utilizing the Podio software with the real estate investor pack added and call rail to run my wholesale business.

While going over material, there was something that stood out to me that I didn’t know before.

The large differences in living is how the utilities are managed; separate A/C systems in each room, separate water heaters in each point of use; i.e. bathroom & kitchen.

.* 45 vacant lots which have all dedicated utilities in place and are ready for homes to be placed on the lot.Tenants pay water & utilities & for yard maintenance.

Also, your score isn't only affected by keeping below a 30% utilization rate overall for all your credit cards.

I currently have one business card each for both of them through capital one that I got using personal guarantees but the credit limits are very low (1000 and 500 respectively)but I keep the utilization rate sub 20%.

You haven't mentioned, for example: utilities, property tax, and the usually present monthly mortgage payments."

He kept collecting advance payments (saying he needs to buy materials and pay for subcontractors).