**edit: forgot to include that rent by room is not very popular in Fresno.

You may be able to reduce expenses through energy savings, appealing assessed values, shopping for utility providers, etc. 3.

So, you signed up to double taxation of yourself, including the 15.6% self-employment tax. 

You're probably not going to change their mind unless you reduce rent and that is a suckers move. 

I do know that there are pockets of restrictions all along the lake, including banned areas, so you need to do your due diligence.

Everyone is flocking here, including other realtors who realize they missed the boat.

It reflects the average rental income per booked night, including nightly rates and additional fees like cleaning charges, pet fees, etc.

In my Lease Contract with tenants, the Lease says tenants are responsible for paying all of their utilities, including water.  

Location: Chesapeake, VA (large military town) Market Value: $360,000Loan Balance: $245,000Equity/Second position note: $115,000 (30 30-year amortization / 10-year Balloon Payment, 6.5% Interest, $727 monthly payment) - Bringing cash for this would save a ton of money for the buyer.Rate: 2.25%Years Left: 26Current Monthly payment: $1,300 (including taxes/insurance)Current Rent: $2,000Scenario 1: -If you were to purchase with a new VA loan at 7% interest at market value your monthly PITI would be approx.: $2,757-If you were to assume the loan and I carried the second note at the above terms your monthly PITI would be: $2,027Saving: $8,760 per year.Scenario 2:-If you were to bring the same $115,000 as a down payment on a conventional loan you would pay: $1,992-If you were to assume the loan and bring cash for equity position your monthly PITI would be: $1,300Saving: $8,304 (with no need to refi in the future)Since this is a hypothetical situation I'm going to give my number based on nat. average homeownership of 13.2 years.

As we get to retirement I expect our expenses to reduce for example today we have a home mortgage in retirement I would expect to pay that off.