Maybe I'm wrong but I don't know any modern legal system that allows such a thing.

I told the loan advisor that me and my wife’s income combined is around 90k per year, and my income on its own is 55k per year.

.- CapEx & Maintenance at 17% of rents - combined, but again this depends on condition.

Hello Jay,I use a combination of rents from:a) Zillow (Rent for this zip code)b) HotpadsI have a monthly subscription to Rentometer, however have not used them much since.Regards,Ken

As you can imagine, the cost of living is substantially less in Nashville than Los Angeles, allowing me to save more money.After about 18 months of living in Nashville, I closed on my first property in Nashville — a home on Alice Street (zip 37218) — that I bought with a combination of my money and a hard money loan from my father.  

RUBS is a utility billing method that allocates 100% of your property's utility bill to the residents based on an occupant factor, square footage or a combination of both, less a predetermined percentage (determined by you, the owner) of a common area allowance.Hope this helps, GL! 

Sell the 8 unit and take the profits from my 8 unit and combine it with my equity and buy a 10 unit in a nicer area B class area and way better unit mix.

Very modern amenities within a very desirable home.

Had the property manager renovate the two bathrooms by almost gutting them and renovating with modern styles and materials.

or a combination of the two?