It is only for paying bills that are existing and cannot be used for repairs on the property (so if you get a leak I guess you can't use it to pay the plumber).I'm also seeing conflicting information from various SBA resources online and different employees telling people different things.

My people need to know that they have food on the table and a roof over their head.

The 12 has been an easy transition, having all your tenants under one roof is great; we still have the duplexes and went from using a PM to self managing.

@Anthony Thomas I’ve used John Sluss Roofing.

Do a routine inspection, check the plumbing under the sinks, check the drains for free flow, check for running toilets, check the base of the toilet for leaking flange seal, dripping faucets, change the furnace filter, inspect the attic for potential roof leaks, check the condensate pan under the HVAC, check the pan under the water heater.Common sources of smells are pets (especially cats), kids peeing somewhere other than the toilet, garbage/refuse not being properly disposed of, plumbing issues.

My capex budget includes roof 25 year life span, floors 10 year life span, appliances and hot water heater 12 year, hvac 20 year life span, bath and kitchen remodel 20 year life span, etc.

Will prioritize keeping a roof over their head rather than spending $50 on take out food every night and buying more and more stuff online. 

In my opinion, I would recommend looking at 3+ unit properties for several reasons:* Higher Cashflow * Covers more or all of your expenses while you are an occupant* Easier to manage as you will have multiple units under one roof rather than having multiple SFRs or duplexesCT is expensive but there are many good deals out there.

People will always need a roof over their head.

Still have to account for roof 25 year life span, appliances and hot water heater 12 year life span, hvac 20 year life span, etc