If you start paying utilities, the 50% rule no longer applies. ...Others have tried to state that, only to be told otherwise:http://www.biggerpockets.com/forums/88/topics/37271-need-expert-advise-on-this-figureData I saw that justified the 50% rule showed 55% expenses when including utilities.. which makes some sense...If you're charging $600 for rent and utilities cost $150... you're cash flowing $300 or 50%... now if you include those $150 in utilities, you're still cash flow $300 but now on $750 which is 40%, 60% of your income is going to expenses.Unless you're charging the tenant $2 for every $1 of utilities you expect to pay for them, the 50% rule can't hold... simple math.

This would not be offered if the net proceeds from the property on a foreclosed sale would be more than the net present value of the new note. the target will be 31% of gross income.So to begin with you need to determine if the mortgage is more than 31% of gross income then determine if the owner has an acceptable hardship, decrease in income , medical bills etc.need to move would not qualify for modification hardship but would qualify for consideration of a short sale, (same documentation and paper work) .

Enjoy your success.Like my father (who was never involved in Real Estate beyond a SFR) used to say: "It's Simple but not Easy!"

Home economics, cooking, balanced diets, special diets, cleaning techniques, how to care for a home, how to make simple repairs generally performed by homeowners usually must be taught.

That is for a simple cash rent with no risk to the property owner.

Might help you work out some kinks and keep it a bit simple for you.

Could be something as simple as a condensation drip from one of the pipes in the attic.

I can do a simple template website, but again it comes down to SEO.

I'm well educated (on paper at least!)

Simple things like "paying for hot water " may be customary in other markets but in the US market we would pay for water not hot water.