Training and learning expenses related to real estate as a whole such as subscription to BiggerPockets, books you purchase that you're studying to learn for real estate, failed deal expenses, business cards, and more.Hope that helps and good luck!

I don't really want to bring less equity to the new home and raise our new mortgage payment. 

@Hadar Orkibi Raised a good point.

Generally I feel like it would raise interest and could justify higher rent rates depending on location.

They wanted a 2 yr lease, I said 1 yr (because I need to be able to raise the rent).

I know it is adviced not to do any large moves like taking out a credit card, HELOC, or refinancing a home during a mortgage process.

My question is if I raised my late fee of $50 to 10% of rent which would be between $75 to $150 do you think it would improve this chronic late payment.

My unit has a history of around 75% occupancy but I am looking to raise that up to 85%+.  

What I did was before you buy anything open a checking account just for that house and get a debit/credit card.

Once I have experience with the small multi family, I'd like to raise capital for the next one (about to start reading Raising Private Capital), using my first deal as a way to show experience.My question through my introduction is, who are some of the best commercial brokers in the area that I could connect with to find properties within this criteria?