We provided them a reduced rate which equated to a nominal debt of $500.

For example, borrowers can qualify for a reduced interest rate with a credit score as low as 620 and a debt-to-income ratio as high as 65%.The FHFA estimates that qualifying homeowners could save between $1,200 and $3,000 a year — or an average of $100 to $250 each month.Who can apply?

A good CPA will more than pay for themselves with the tips they can provide you to reduce your taxes. 

He used up all his security deposit and made us reduce his rent by 150$.

It closed much tighter after that but still wasn't air tight. jalousie windows by definition will never be air tight unfortunately but they should be tight enough to prevent insects from entering. depending on the condition of yours maybe swap them out for regular windows if the energy efficiency is what you're looking for. mine was in a condo so i had to keep with the same window style. 

I don’t want to go into more debt , but it’s the only way I can reduce my tax burden every year .

it's my understanding that there has been a change since april, since Fannie Mae reduced the number of investment property mortgages they are purchasing :-( https://woodgroupmortgage.com/...

I'm not anticipating making a great return initially, but it's a starting point and will help reduce my personal housing expense and give me experience at the same time.

Insulation won't reduce moisture.

I'd say 50% of commercial/private mortgage lenders don't care if it's unoccupied, then some will reduce the max LTV by 5% if it's not and some lenders won't lend at all.