Your best bet, however, might be to expense the interest you pay on your Schedule E as an expense against your rental income.

Poking around the forums the last few days, I'm amazed at how the misinformation that's so pervasive elsewhere on the internet has made inroads to BP, as well.

I bet that they are on one of those programs where they only have to pay a certain amount for electricity all year round, and so they prefer to heat with electricity because it's "all you can eat", rather than with gas, but I don't know. 

In addition to the well over 250k evictions expected in just NJ when the moratorium ends do you identify geo-specific "apartment" REITs and bet against them or buy in?

Your best bet is to talk to a couple property managers and get their professional opinion on the specific location and property your considering 

I bet you will find she owes too much on the deal to make it work.

But then if I can rent this townhome out from the second i take money out of the bank it seems like that's the safer and better bet.   

Should I use Spectrum and have cable/internet/phone?

I'd bet you'd find some.

I got a solid contract off the internet and used fidelity national tile on rainbow, they too were awesome.