I know which is very high, my property is listed as non residential as per water company since meter is 8in, currently I am paying as a landlord full monthly water bill and all my profits this bill is eating.I ask the water company my property has submeters if i make those active is the water bill going to reduce by making the property as residential?

So it's essentially a good-as-gold full expense for tax purposes, but it doesn't hurt you on your mortgage application.So make sure your CPA is aware of these things and is not afraid of the home office deduction.Also, if you have a large non-recurring expense this year, this is worth talking through with your lender.Someone like @Chris Mason could probably elaborate.

If the property has been  well maintained (I know, this can be relative), usually $1k is enough to turnover (carpet cleaning, professional cleaning of the rest of the house).

Dry cleaning evokes thoughts of haz mat teams to lenders.Stephanie

Can they report me for non payment to CBs or will this stand as a disputed amount?

Recourse or non-recourse loan?

I have over five rented cash flowing single family houses and was wondering if anyone knew of a lender that would lend on it with terms of 30 year amortization, under around 5%, and non recourse. 

Yes, I will keep you posted.Hey LavetteSprout is a "Non-QM" lender, not an intermediary. 

(Before anyone suggests using my own tenants, these are small multifamily buildings and in NYS snow removal is a "non delegable responsibility", so when they don't do it - I am on the hook.  

6.125% is not a bad rate for a commercial/portfolio (Non Fannie/Freddie) loan.How much lower are you expecting to get by refinancing since you can't qualify for conventional?