Property owners won't know that going into it, but they are lured in by low fees.The old saying is true: you get what you pay for, not to say that all PM companies that charge "high" will do a good job, but I feel confident in saying that if you are paying very little for services, you will get very little in return.Best wishes!

@Bryan OjedaIf the business has been paying the debt for 12+ months, you can usually remove the liability from your calculations.Keep in mind that while DSCR loans don't always report to credit, THEY CAN.

The trustee will be a LLC we create in WY to hold the land trust for the anonymity and added asset protection.The question I have run into now is that some things I am reading say that I will have to register the LLC in the state I live in, (will be Illinois) so I will be basically paying for two LLCs.  1. 

I’m planning to update and repaint, maybe increase rent on one side to 3000-3100 while I live in another unit and replenish to legalize garage space.Monthly payment: $7033. landlord pays for water, everything else is separate.It just feels very tight in the beginning before getting ADU gets legalized. 

In commercial real estate the tenant pays for everything including those pesky condo fees

The lender told me they got no score because I was paying my credit card balance to zero.

I am struggling trying to decide my next step- should I try to pay down my two current properties that I own as much as I can (I make about 150-200k a year).

Assuming you're not an arborist, you made a judgement call regarding someone else's property and now you are going to have to pay the piper.

I am not usually the smartest person in the room but I like listening to them and paying attention to their advice.

You are paying money thinking it will bring you business, when in reality it's just bringing you a bunch of contacts that aren't serious.Build relationships.