That typically is investors.

Could use a little guidance in managing utility bills for my single family rental.

If you'd really rather just refi the property, your best bet is to find a traditional lender who doesn't require seasoning (which is typically 6 or 12 months) - not necessarily a hard money lender (which are often non-collateralized loans.)

I’m on the fence between buying a Class A- rental property where I’d be putting in the typical 25% cash and financing the remaining 75%, or to just purchase a Class C/C- rental property for 100% cash.

Sales typically allows this.

@Matt Boyle days on market are typically less in IN just cause the market is a little smaller and as far as rentals go it shows a higher profit cause of taxes being lower. 

However, you could actually utilize your lists for much longer than one or two mailings.

Commercial lenders typically extend terms up to 20 years not 30years.  

So here are some of my definitions:Cashflow Properties:Investing for Rental IncomeHere is a typical example: a house built after 1980 with very basic fixture: carpet floors, linoleum floor in bathrooms may be found for 90k-140k in an area where it pays $900-$1400 per month.

Always do the math analysis on a prospective property and try to look at it of at least have a clause in the sales contract that allows you some time (about 15 days) to make a detailed inspection and possibly walk out of the deal without a penalty that will hurt you too much.The thing you also should do in the beginning is to have a Team put together that typically have an Attorney, real estate Agents, a CPA (or accountants), Inspectors, general Contractors, and Handymen.