I recommend a community bank close to the property, to include credit unions. 

With these rates, I will likely be negative cash flow or break even if I am LUCKY on a single family.  

I am writing my business plan and I am trying to figure out how I will include in the renovation costs from a percentage of the purchase price, This is if I even have to because of the business type?

If you're worried about break-ins, then you need to secure it.We give our clients several options, including removing & storing the mechanicals to avoid theft.Also, check with your municipality to see if they have any requirements.

Quote from @Trino Martinez: I came across an article (link below) about a proposed bill (HB355) in Utah that did not make it out of committee that would include among other things a requirement for landlords to give 60-days notice for rent increases.

Also are utilities included?

I told them that I had already paid an extra 3% service fee, which they could deduct from the balance, but they claimed it was already included in the mortgage and could not be used for a refund.Now it seems they are fully scam.how can I do to get my money back, I have lost around $6062 USD for this case.Because it is criminal, can we report to police and get the money back? 

I will do online banking so long as they can handle my rental property break downs.

Thanks for the clear break down of what you did.

i passed. no parking lots of breakings on vehicles.