Otherwise you can get a loan based on what you spent Yes, reserves is 3 months of PITI paymentsI have a 4 unit and duplex on the same lot and that is my average water bill.  

I'm interested to hear if anyone has good experience with cold calling owners.

It is no different than any other utility - are you liable if your tenants misuse the water or electricity (i.e. grow op, unlicensed home brewer, etc)?  

I do believe you need to put your feet in the water it you actually want to learn how to swim, so most likely, in a few years, i will look at the investments I have made in the last few years and say to myself "today I would have done it better", nevertheless, I am happy i have done them. 

Best balance and closest proximity of outdoors/beach and water activities/food/nightlife/weather I've seen.

Roof, furnace, AC, water heater, siding, flooring, windows, appliances.

So to get information from the guy how to set the contracts etc. it can cost you from 4K to 10K for get coached from him.So since I already informed myself a lot about wholesaling and had also some online coaching I just need to know hot to set the contracts and to look after a title company in Germany, then I’m ready to go, cause I’m not afraid of cold calling or approaching peoples ☺️.

Next thing you know your copper and hot water are gone.

I feel your pain, some helpful hints are rinsing with cold water first to close the pores before more fiberglass gets into your skin, then soaking effected area in warm water and epson salt.

I've been cold calling those for awhile now.