For bills and other expenses I charge them all to a credit card that has good reward points. 

Yes, if you have a Costco card, Mutual of Omaha is really reasonable.

We found out the property was broke into at 4 am yesterday and the newer furnace/ac were stolen along with some damage to the hardwood floors and the front door where they pried it open with a crow bar. 

For example do you have a US based credit card, any type of USA loans you are paying, like car note, cell phone bills, electric bills?

Home Depot was easy to work with and they ended up lowering their initial price for my kitchen from 2900 to 2100 and gave me a $200 Home Depot gift card for the number of problems we had with missing parts.

For DSCR we only require LLC docs if in an LLC , drivers license, SS Card if available if not ss89 can be signed, we don't ask for any info on any other properties owned by the borrower, we dont source or require seasoning on funds.

A portion of it to reserve for refinancing and most of it to pay off credit cards and prior debt.

(this can be 24 months of mortgage statements, auto bill, and/or credit card bills). 5.

When you say cash, are you referring to debit cards, or actual physical cash?

You get the card, put it in a drawer, and never use it, but you will build a credit history based on their performance record.Work hard and save money.