The solution seems so simple: 4% FRMs for the 63% of Americans who are homeowners!

If she can't pay electric, she can't sustain paying rent.

Julie Marquez In the situations we’ve dealt with here - regardless of whose property the line is on, the cities have made the neighbors work together on a solution.

There are many potential solutions, but they needed to have been identified months ago.Only thing I can suggest moving forward is to be more thorough when interviewing and hiring a lender.

We're in Portland, Oregon and very few cases can you hit the 1% "rule", and if you do you have to be creative.I wanted to share a win today that has been in the making for the past 10 months because I think it is a good example of what a low cap environment looks like and what a solid base hit looks like for those that want to invest in small multifamily deals.Here are the details on the property:9-units in an up-and-coming neighborhood Purchase price: $1,550,000Cap rate: 4.5%Average rent was ~$995 and Owner was paying for garbage and water/sewerWhen we took over we immediately had a couple units turn over, which was great because we wanted to get in there to do some upgrades (we do a lot on the sustainability side that include reducing hazardous building materials, energy efficiency upgrades, bike storage, decreasing utility consumption, etc).

My complaint is pretty mild in the grand scheme of things, it is impossible to change ACH payment accounts on the loan and leave absolutely no information for solutions, coupled with a poor online platform was pretty annoying.

You need to dig a small trench around the house, pour the properly diluted solution into the trench and then backfill the trench.

I hope you can transition away from that as you get REI deals, because working that many hours that is not sustainable long term.

We did get one quote for gravel, and it was much less expensive, but also a shorter term solution since we won't get as many years out of it. 

Good luck with everything - Life style is important but commitment to your goals will bring you the most satisfaction.I see a simple solution, I'd go after the smaller property with in-law suite - build some equity & continue to build a stable portfolio.