I believe gas takes longer to heat the water but more cost efficient but don't hold me it.From google search:The average American shower uses 17.2 gallons (65.1 liters) and lasts for 8.2 minutes at average flow rate of 2.1 gallons per minute (gpm) (7.9 lpm).

The area has a strong Asian and Latin population.

I recently went to a bunch of the credit unions in Philadelphia (American Heritage, Sun Federal, PFCU, Trumark Financial, PSECU, and Franklin Mint) to see the terms of their HELOCs.

They seem to have some good properties in quite a few markets. Has anyone used them or know anything about them?

(See American Housing Survey Reveals Rise in Doubled-Up Households During Recession and For Many Families, Bad Times Require 'Doubling Up'.)And there was also a fear about jobs/income and credit.

Mike,Two companies that may be more flexible are American Modern Home and Foremost. 

I work with American Bank of Missouri.

With the job, I would recommend looking for something with a large property management company such as FirstKey, Invitation Homes, American Homes for Rent, etc. since there is no better way to learn the industry from the inside out. 

First off, I believe this person was an American citizen, not a Mexican.

Thanks Bill, I plan to hire a management company like you mentioned.My parents have some rental properties in their home town in Latin America,And they had a LOT of headaches, nothing like what you have experienced in those 10 years.Sounds great to me!