Which mortgage lender / credit union do you go to for conventional loan in San Jose / Bay Area?

you can install them fairly easy yourself as they come pre charged which will save you a ton but not much savings over a central unit if you have duct work already if you are having an hvac company install.

The plan for 30% price cut is to allow for refi to leave 25% equity for conventional bank.I do have $50k in stock account I can use, but would rather not.

You don't want a year lease because people may move in and not get along with someone.How much you can charge depends on what you provide, your neighborhood, house amenities, neighborhood amenities, etc.

When financing a multi family rental (not to occupy) what are the advantages and disadvantages when using a conventional vs portfolio loan?

Not even too sure that they'd be willing to send out the different bills, feel like regardless of RUBS or Submeter, I'm going to need to be the one to charge for utilities.

etc..You can try to go conventional, to a community bank/portfolio lender, or to a non-bank lender for the above. 

The finance company she worked for was somewhat new at it, didn't have the safeguards in place and allowed managers in charge of these REO's to set prices and sell them, apparently believing the dire stories of investors resulting in low offers that were accepted.

Since those utility costs go up if there is a couple in the unit vs. a single person is there a way to charge accordingly? 

Will I have a lot of problems getting refinanced to a conventional loan?