Does that include all the credit card payments (like monthly statement that may include all the utilities n expenses?)

YOU CAN'T.Lists are developed by companies for DMM, and alike to exploit money from you.Let me leave you with a single thought.If I have 1000 people in front of me all starving... and I tell them "Who wants a sandwich".How many people do you think will raise their hand?

I added value by renovating the duplex and raising the rents.

The first-floor elevation would need to be raised by about 6"4.

If you have credit cards or car loans those are different.

For each of my properties I have a separate bank account, checks, and a debit card.

We plan to fix it up, raise rents, decreases expenses, refi and buy more!

I figured I would have to let the house "season" for 6 months to a year so that I have time to BRRR - renovate it and let natural appreciation hopefully raise it to a level that I can get most (if not all) of my original HELOC out to replenish my stores. 

It was a $220M raise, and I still believe the organizers had good intention when they started. 

The PM company will put notices on their door for things like rent raises and they have just paid.