Especially if you're doing enough volume to get good discounts on products.

I've separated out electricity but not water (never heard of sewer being separated) and I've always had separate gas meters on my properties but have separated the heating system on one.

I mean come on!

Are there any options out there that won't tear away the margin on flips?

@Brie Schmidt I came on to pick your brain.

Today I would probably figure out to make money online with AI, that's an opportunity that did not exist in this form.

@Lulu LueHUD has 2 online databases of lenders showing which ones have the most experience with 203k's. 

To make up the difference of the total price, I used seller credits, lines of credit, and second mortages on other properties. 

That pace feels pretty good to me...I can get past the "rookie mistake" phase of my career before there is investor money on the line, and I can "fail small" because SFRs and small multifamily doesn't hurt as much as larger properties when things go wrong.Timing had a role, too.

The advice I would give as a lender are these few options if you both are on mortgage.