Would the house still smell from the cats even if there is no carpet???

I hadn’t even thought about short term rentals for that area but that’s a really good point with the graduations.

Even still, be careful.

That's how many months its going to take you just to break even and for it to START being a good decision to refi. 

I just wouldn’t spend a lot of extra money providing what for me has been essentially a break even process.

Even if you could get $5000 per unit and every tenant was perfect, you would still lose money.

It was nightmare after nightmare with this guy to the point where I double checked his licensing, but apparently there are no real qualifications even for commercial work in NE?

We've even tried to get the lender to report our on time payments to the credit bureaus but they won't.

My guess (even though we’ve explained the process to our tenants many times) is that they assume it’s paid instantly and go about their day as normal, not being careful about the scheduled withdrawal.

If tenants are paying their own heat bill, they would call the gas utility and have the unit put in their own name, but tenants can't do that if the heating unit is shared by all four units.You won't have happy tenants if you are in control of the heat and you aren't even on premises.