Potential Solutions: (a) I'm thinking of contacting the seller directly (I obtained his/her email from already provided screenshots) and asking for the utility bills.

Particularly be sure to include your goals for real estate investing so that folks can help you. 2) Follow your favorite forum topics and set up keyword alerts!

Shoot me a DM with your email and I'll let you know about our next investor meet up here in College Station. 

That includes landscaping too. 50$/month is pretty low if you have to get a company to do it but I’d just deal with it myself. 

@Tyler Ferguson It will be a little easier for your taxes and finances if you create a separate account for all of the property's income and expenses including the personal and rental part.

This could include an annual licensing fee from your municipality or a stray utility bill or whatever. 

You may find that it provides that her coverage continues so long as she holds an interest in the property, including holding a purchase money mortgage securing a portion of the purchase price of her sale to a third party so a new lender's policy may not be needed. 

If you factor in 8% PM, 10% vacancy including economic vacancy and capex/opex of 10% (5% each), your costs (still not including T&I) would come up an additional $2016, for a total of $8895 at 1.25M and $6969 at 900K 

As strange as it was, I received an unsigned letter from her 10 minutes later, which she forwarded from him with a listing of the wrong landlord's name, a bad phone number, and an e-mail address to a utility company.The moral of the story is to review everything your real estate agent sends you.

I've included an example below to help illustrate this.So different lenders have different rates (which do vary even for DSCR loans) but these are factors they all consider.See example below:DSCR < 1Principal + Interest = $1,700Taxes = $350, Insurance = $100, Association Dues = $50Total PITIA = $2200Rent = $2000DSCR = Rent/PITIA = 2000/2200 = 0.91Since the DSCR is 0.91, we know the expenses are greater than the income of the property.DSCR >1Principal + Interest = $1,500Taxes = $250, Insurance = $100, Association Dues = $25Total PITIA = $1875 Rent = $2300DSCR = Rent/PITIA = 2300/1875 = 1.23DSCR lenders generally let you vest either individually or as an LLC.