This has made financing more expensive for buyers, but it has also led to less competition in the market, creating opportunities for those who are financially prepared.One of the biggest factors to watch in 2025 is new housing supply.

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There isn't enough cash flow in these deals to pay the mortgage, monthly expenses and the HELOC that I'm trying to leverage against.

we bought our primary resident property, and ended up finding the drainage system is broken after a year or so, and paid close to $30k to completely reroute some part of the whole system. 

Due to high premiums, expenses increase, and cap rates and cash flow potential decrease.

I am assuming that even if you strucutred it with a higher purchase price (85% of value) and pre-paid rent it would potentially still be frowned upon.

What matters is whatever number you have after subtracting from your rent all expenses, including depreciation ("net income").

So when I have paid rent, less the credit, they failed to contact myself nor the owners and employed these harsh scare tactics against me.

The utility company doesn't manage your property...they provide paid services until they're not paid anymore. 

- Usually a 5 unit with a boiler means that all the units share the boiler heating system.Which specific utilities in which units are paid by tenants vs shared?