She said it was a standard apt sized fridge but there was a "home" sized in there...

@Nick Dillaha They may have internal overlays.

A good habit for any investor is to ask questions until you find an answer that helps further your goals.Simply because 1 or 2 "standard" mortgage companies said "this is the industry standard" doesn't mean that someone out there won't have a loan for this guy.

Be prepared for it to be a solid 30% more expensive than a standard tenant occupied landlord policy.

A broker has five years of liability for every contract issued through the firm and, as such, there are a host of compliance standards in place. 

Take those expenses off of your balance sheet; don't include them in rent; you could be stuck paying late fees, penalties, and overages you don't have money for.2) You can reduce vacancy to 5% if you're signing them to a standard 1 year lease. 

In absolute terms, that 95% LTV or x20 leverage sounds standard for small investors with good income on the side.

Account Closed Hey, most companies charge a upcharge or $10-25 a month fee for the luxury of them providing you a Wi-fi router.They will usually provide standard modem/router for free.

Can anyone tell me if this is standard practice?

Pay the bill and bill the tenant, it is a violation of a standard NC lease for the tenant to hire a contractor to perform a service to the premises without your knowledge or permission.