Raise the rents, whats the difference in someone paying $700 including no bills and say you include all the utilities for $850 a month. 

There's brokers everywhere including semi- retired, etc who you should get to know and approach.

In my career in the car industry, I have made many contacts including tradesmen as well as business owners, including an apartment complex owner who is beginning to exit them due to obligations in his other companies.

Over 6,000 community owners and retailers have worked with us to set up a Compliance Management System including the largest community owner group, ELS, right down to many community owners with 50 sites.

Is it still included in the bonus material?

I do like that it seems to handle everything, including a homepage for your listings.

Examples of income of this type include income from hourly workers with fluctuating hours, or income that includes commissions, bonuses, or overtime.History of Receipt: Two or more years of receipt of a particular type of variable income is recommended; however, variable income that has been received for 12 to 24 months may be considered as acceptable income, as long as the borrower’s loan application demonstrates that there are positive factors that reasonably offset the shorter income history.Examples of positive compensating factors that we like to see (1-3 will generally do it)...Employed in same line of work.Makes sense from a common sense perspective, like someone is returning to the workforce after being a stay at home parent for a while.Recently finished some training or education program that lines up with the new line of work.Low DTI.Great credit.Income trending upwards. 

So if you have the borrower's social #, property address, loan # or MIN #, and can gain access to Bloomberg or ABS Net, you can do something called a "trust search" using a mortgage auditing company.

The $510 decamps to $208 for the HELOC payment, $75 for lawn care/snow removal per month, and $227 monthly in owner paid utilities -quoted by the utility company- I plan to manage the property, but budgeted for management expense anyway- Furnace and roof were recently replaced- Loan terms are 3.75 with 3.125 points (included in the $7k closing costs above per the bank) - 30 year mortgage- My goal is to buy and hold with an eye on retirement, but of course I'd like to cash flow now. 

Finally, you may include in your calculation closing costs.