Deb,Check with your Insurance Agent.  

For sure check out Turno!

It's time-consuming enough to track hours, let alone check to see if the tracked hours count or don't count.Thank you ALL who posted and have continued to discuss this cryptic designation.   

The other thing to do is to check with the permitting department to see if an building permits were issued.  

It's great to have you here.Here are some recommendations for you:Find and connect with other BP members that are in your area: http://www.biggerpockets.com/m...Set up keyword alerts to be notified of the topics that interest you: http://www.biggerpockets.com/a...Read Beginner’s Guide: http://www.biggerpockets.com/r...Check out BP Money Podcast: https://www.biggerpockets.com/..Wishing you the best!

My idea for an alternative is to use Bill Pay and just register the CC payment by transferring from the checking account and writing a "check" from the CC account for all the bills paid in that period.  

.- $968 difference paid out over 12 months would be $80.60 per month MORE.The mortgage company is claiming that I owe $3,000 MORE in escrow and is charging me an additional $250 per month.I checked with them and I've NEVER missed a payment and have been up to date this whole time.They say its not a mistake but couldn't explain why I owed $3000 more instead of $968 more for the year.Am I missing something? 

I would sit down with your CPA and an attorney that regularly works with investors to get a solid path going forward for you to scale. 

You will want to check with your insurance carrier and I would make sure they are properly licensed, insured and or bonded. 

Bill, I am checking with hard money also and the rates are around 12%.