I have a fiance that already takes up 20% of my top 5 to satisfy my "emotional support" friends. 

Lending Club focuses on consumer debt that is unsecured.  

Thanks for the warm welcomes and support everyone! 

My wife and I are making the conscious choice to delay purchasing the home we want until our real estate has grown enough to support it. 

So say tenant A consumed 60%, he will end up paying 60% of common area as well.Now, a new tenant came in on 1st of May but his meter wasn't installed until 11th May, we agreed that they will pay on pro rata basis.I am stuck calculating the bills now, and will need some major math work.Here is what i haveTotal Bill Amount 75,256 (don't worry, its not USD)Total units consumed 8752Bill Date 29th April to 29th MayVacant Unit in building - 106 Units consumedTenant A 1717 Units consumedTenant B 3541 Units consumedTenant C 2303 Units consumed for 19 days (11th May to 29th)Total 7667 UnitsCommon area 1085If i take 2303 Units and divide by 19 days, it gives me 121 Units a day and multiply that by 29, i will in total get more money from all tenants than combined bill, which is unfair.Please suggest a best way to calculate.

You actually get it.I feel bad for @Marina Wedge because she actually fell for your very touching cry for help, support, and a handout.

@Jon AcostaOn a free and clear house, no work, great condition, great location, offer an installment sale, for a buy and hold property for yourself.Get the payment to owner low enough below market rent for a great cashflow to support PITI and maintenance and vacancy; purchase price can be $125,000.payments to seller (market rent - 350) or better.Installment sales have imputed interest (See Applicable Federal Rates IRS)I would offer cash or terms, cash is .70 x arv - repairs.Owning private mortgage paper is better than owning property: no toilets, tenants, or law suits.

-Vacancy Rate of 10% -Repairs and Maintenance 5%-Capital Expenditures 10%For the sake of simplicity, I assumed the following to be 0%-Property Management Fees-Future Income Increases (rent increase) -Future Property Value Increases (property tax increase)-Future Expenses Increases (Maintenance fee increase)On paper, this property is cash flowing at $167 (0% down) and $295 (25% down) - I am hoping to leverage as much as possible on this property through refinance in future & I believe based on the rental income, this property can support leverage.I would like to know your thoughts around this and if you think this deal is one that we should proceed.

However her rates aren't as good and I will inbox you who i use and I always give full disclosure on it being a full disclosureThanks for everyone's support.

My current broker seems to be very flexible in regards to supporting me in what I want to do.