My apologies.

I apologize for arguing, this is not something I would typically even bother to respond to, but I am in such disbelief that you think this way and I hope that everyone who has property is a little more open-minded than you, though it seems unlikely as many individuals in this thread seem to have the same ideas.

Refundable gives the tenant the incentive to keep the place clean and be responsible for the pet's behavior/damage.But yesterday, someone on BP (I apologize for forgetting his name right now), suggested a flat increase in the monthly rent, plus the usual security deposit.

I apologize for not fully reading your post @Cindy Ace .

(My apologies to those in areas I didn't mention).  

The tenants responded with a bunch of justifications (and zero apology of course), saying that they are meticulous because they want to keep our property in good condition.  

@Anthony Scarlet No need to apologize - by and large, hard money lenders require similar down payments as banks do.

Best regards and my apologies to everyone else on this string for the back and forth.  

I do have one more question (I apologize if this seems redundant):  Say I were to go conventional instead of FHA, where I would be renting out all units. 

My apologies Hamburg to Harrisburg is a trip.