Electronic door locks work great, until they don't.  9.  

We had already spotted this home the day before she suggested it based on our own criteria.

Just like you can reduce operating expenses through things like online rent payment, electronic lease signing, self showing lock boxes, etc.

I wouldn't be opposed to rent being pre-paid for the year with an executed contract in place but I would expect payment to be wired or electronically received.  

Explained to them I expect for them to pay there own utilities but just after explaining how I am going to make the place a better spot to stay.

You need to tell them your current owner occupy location and where you plan to buy the 2nd home vacation spot. 

@Candace Buckstead @Andrew Bang is spot on.  

If the property is cashflow negative according to one, it'll remain cashflow negative when the exact same numbers are transposed onto the exact same spots on a new form, that contains the exact same math. 

I used to work at Navy Federal when I lived by the Great Lakes Naval base, and most larger institutions like this won't be the best spot for you.

It doesn't take long to learn how to spot a good deal.5.