As for the septic that could cause unique proportys in a rental, if your tennent doesnt know better they could really mess it up flushing things that dont degrade or kill the bacteria in the system by dumping household chemicals down the drain. 

A example would be a boy friend and girlfriend live together and adopt two unrelated children, that is four unrelated people by blood in a household yet they live as a family. 

Also, utilize the MassSave program for any quick renovation upgrades (0% interest for 7 year loan on energy efficient household items).

With multiple adults in a household, each person applies with their background check run individually and some screening companies provide a general assessment of whether a person has a high probability of success as a renter. 

I think it’s important to be fully transparent about my current financial situation in order to get the most accurate feedback, so I’ll be throwing some numbers out to you all for reference.A little background on myself: I am 27 years old, live in Columbus, OH, married w/o kids, work a full-time job and make roughly $85k per year ($150k total household).

Many banks have either individually-owned or household-owned limits.

Median household income in that particular subsection is just over $19k which is REALLY LOW! 

Thank you so much everyone for the tips, and Rose White My background is generally the same coming from a low to mid level income household, right now i am working at a flooring company in sales, and I could not attend college due to lack of money.

My wife and I have thought about it for years, but my income currently supports the entire household.

My biggest concern with refinancing is my credit 640 and the fact that I am now a one income household and had a career change that makes me significantly less money than what I was making when we purchased the duplex ($64,000 per year vs $27,000 although once the rental is factored in it’s around $70,000).