On the other hand, if the unit isn't occupied and a water leak soaks the inside on the second floor bringing you lower level ceiling down, you'll have expenses.Why would I attempt to compute the cost of a ceiling into my ROI/E for the next 12 months?

I'm registered with e HUD in VA.

I would also mail her letter stating who has responsibility for the hall way lights and code limits for the number amps allowed in an outlet.Sounds like you need to just restart with better tenants.

Not ideal by any means but DF is forcing this and honestly the Banking regs re processing loan payments even before DF it just didn't make sense for any sane lender to have the borrower mail their checks to them.

It typically comes on Saturday nights around 9:00 eastern time zone A&E <- cable channel

I try to subscribe to their mailing lists so I see some of the issues other investors are talking about. 

The system apparently doesn't allow them fix even the simplest problems - a mistyped e-mail address resulted in 4 calls, 2 e-mails before I could access the paid-for application, and they absolutely CAN NOT correct an e-mail address, no way, no how.

Without their great phone support we would not have made it through the transition.Be very aware of their E payment system.

Maybe some cards or postcards to mail.

@Karen Margrave thx for the reply, I have had numerous credit card offers in the mail, just like im sure everyone else has I know real estate has a lot to do with leverage and having mortgage debts, when it comes to personal finance I just always believed if you cant pay cash you cant afford it, I guess I just need to change my philosphy in life, and get a credit card, I just never believed in the ripoff adjusting extremely high interest rates most americans get in trouble with.