I realized that everything is kind of rolled into one and that may limit my options but I feel like a $500 pet fee or something like that is not enough to cover the damage that a pet could cause.

Prioritize the damage by property and make the business decision based on your situation. 

Is there a cheap and effective way to accomplish getting my tenants to pay their own water?

Something like "mother in law apartment perfect for your extended family" or something to that effect.

The designation of opportunity zone remains in effect through the end of 2028. 

Charge the tenants for repairs for damages they caused, and make sure you and they both know you are a concerned property manager. 

I think the wall units look cleaner but were not sure if they were as effective as the baseboard).On top of that was wondering if you would recommend the hydronic baseboard units or the standard convection heaters.I also noted your in NY are you using these to solely heat a house or as supplemental and do you feel they could adequately provide heat to a house in the NE during the dead of winter.

Certainly some factors, e.g. size of the facility, occupancy, geographic location (property taxes, hurricane or flood insurance) can effect this percentage.We consider a "stabilized Facility" to be 85%. 

Here is an in-depth article on the effect that the Dodd-Frank legislation has on owner financing.  

The department or the court may waive any such civil penalty if the person, firm, corporation, association, or entity, or the agent or employee of the foregoing, has previously made full restitution or reimbursement or has paid actual damages to the consumers or governmental entities who have been injured by the unlawful act or practice or rule violation.