I recently bought a property that within 3 months requires:A new roof: 16K-25K (not entirely a surprise I knew it's near the end of life span but didn't expect immediately leaks)Subterrainean termite termicide perimeter treatment: 1K (a surprise)Drywood termite tenting: 1.2K (not a surprise but didn't know the extent of damages)Power line weatherhead cracked: 1.3K (a big surprise)Interior doors and closet shelving from sub termite damages: $500 (a surprise)New water heater: $650 (not a surprise)So yes, you need cash reserves.

Anyway, I am looking to move in with my girlfriend and have found a condo that meets our short term needs (nice place to live for us) and my long term needs (highly rentable).That was all background just to give you some context, my actual question is with regard to how the lenders are calculating my borrowing power for the new loan for the condo.  

Utilities- All the normal ones- Power, water, sewer and hopefully gas.

Originally posted by Dawn A.:I

@Brie SchmidtIt looks like Farm Fresh and Walmart have a Bill payment service for the power company near mehttp://www.walmart.com/cp/Bill-Payment/632045It works through checkfreepay or moneygramhttps://www.reddit.com/r/RealEstate/comments/3gaks...Curious what this service costs which uses checkfreepay and combines the utility bills into one bill:https://www.paylease.com/corp/managers/online-paym...

Restrictions related to Elevation, zoning, power, water, sewer, etc).

Originally posted by @Val A.:I

However they now make elongated bowls (gives more room to macerate stool if needed) and more powerful flushes (advertised as "geriatric" often sold in "comfort height").

I'm a licensed broker here in Portland and came from the pharmaceutical world myself (we manufactured injectable drugs and had an analytical lab on-site).

Pain is usually associated with having to make multiple payments, or payments they can no longer afford, or too much debt, or heading towards foreclosure or power of sale or bankruptcy.