Don't discount what you have in place and question your ability to duplicate it.2.

This just means that 75% of the rents of all units (all 3 or all 4 of the units) must be equal to or greater than your entire monthly payment to ensure FHA will be sufficient should anything happen to your ability to pay for this property (if they take it back the property as a foreclosure/REO).In more expensive west or east coast markets it will be hard to make the FHA SS rule right now given that the rates are in the 6-7% range so I would recommend targeting 1-2 unit FHA properties. 

Electricity just ask for a bill.  

What makes real estate so great is the ability to leverage and no lender will want to touch these properties unless charge you a huge origination fee.

IE bad tenant etc.but this is far more complex than that.And when you have owners who for a good length of time were receiving rent only to find out their homes were in fact vacant or had squatters in them.. that reeks of a Ponzi type situation.Also when you do your digging .. another critical element is that it appears through Morris or oceanpointe direction the title company used OP address as the return address for code violations etc.. so it was easy for them to sell vacant shells pay rent on them.. then pocket the code violations and the owners who never set foot or would set foot in Indy had no clue anything was wrong..

Since she is poor, she can't find a lawyer, and the only place I could suggest is Leagal Aid.It is a real shame, if I had the ability, I would post pictures of this house, and how beautiful she keeps it.

Unfortunately, a common myth for rental real estate is the ability to offset ordinary income with the passive losses generated from a crummy rental.

@Taylor ComerLots of good options here, but one thing to consider with giving tenants the ability to deposit or pay electronically.  

Holding the lien gives you no extra ability to buy the property at the tax deed auction but you would end up with it if nobody bids (in which case you're probably getting stuck with junk)

A desire and ability to share their knowledge4.