I've been content to wholesale, stow away cash, and keep a strong credit profile for when things bottom out but a "brain fart" popped in my head.  

And, after asking the owner of the unit below me, it turns out there was serious damage on her flooring. 

I expect a broken door here or there, the occasional dent, maybe the occasional weird instance of someone causing damage by storing something weird.

My issue comes with my DTI ratio being too high to have both properties on my credit report. 

May have a better chance if it was a small local servicer, credit union, private money lender.

Great tenants, want to keep this one.four properties on a business line of credit, interest only, the interest rate just increased to 6.5%. owe 200k, monthly payment around $1,074.  

Someone mentioned to me that it could be presented to bank for an amount and ask for a credit back for repairs.

Since the water use was variable and there was no water damage to the property, it would mean that there could not have been a water leak.

@Brian Orr Give me a little credit for starting my day at 3 am.

It's come time for me to sort out my insurance and I thought I could set it up on monthly payments and this might be a good way to help me start building a credit rating, but it seems that in general, insurance companies won't report to credit agencies unless it's negative.