Also, if you are qualifying for the loan based on your personal DTI (debt to income ratio), the personal loan could change those ratios and keep you from then qualifying for the mortgage you want.

@Omer Bader thanks I'll keep it in mind. 

Just keep making offers

Keep your money. 

What are the benefits to keeping your mortgage payments the minimum?

Keep in mind our average profit per deal profit is 30k+.

@Prabhash Shrestha this is going to be tough, I analyze a ton of deals for my investors and most properties just don't make sense and it's not getting any better as home values appreciate and rents aren't keeping up.

I totally value and want a property manager to take the day-to-day management off my hands, but on issues with tenant damage and I would like to be kept up to date on matters, as well as have copies of all notices provided to the tenants for my own record keeping.

I would be happy to keep you out of trouble in Cleveland

3) Would it be a better idea to keep the utilities in landlord's name and have tenants pay the bill?