@Jinesh Kumar Like most large companies HQ and field sales are not in step...........Farmer's has reinstated policies numerous times for me. 

The power bill and water bill would be their responsibility along with any repairs going forward.

I buy what I need (basics, nothing fancy), pay my bills and save the rest. 

Numbers are below:Discounted purchase price: $182,000Rent: $2,600  ($660 and $660 for occupied units, projecting at least $640 for each vacant unit)Mortgage: $623Property taxes: $231Insurance: $171Property Management 9%: $234Reserves 20% (repairs, CapEx, vacancies): $520Trash bill: $50 (tenants pay all other utilities)Cash Flow: $771Down payment: $45,500Closing costs: $8,000 (verified)Repairs: $40,000Total cash invested: $93,500Cash on cash return: 10%.My goal with this property is long-term hold for cash flow.

@Bill Fitzgerald I do not have a financial background but I believe I have a different approach than the average Joe when it comes to managing my money.

Still working on the outcome of a more efficient home with lower utility bills and design-friendly with minimal stairs.

True, you will also get depreciation to reduce your tax bill on other earned income, and you will also get amortization (loan pay down) and possibly appreciation, but 6% is pretty meager. 

@Bill F.

Now he wants me to foot the bill.

You could do a cashout Refi, and get a lump sum out right away, or you could looking into getting a HELOC on the investment properties which would give you a revolving line of credit that you could reuse for numerous purposes.