CoC (taking into account vacancy/cap ex and maintenance) is 16%.

Maybe send notices today that if they don't bring their accounts current by X date you'll begin eviction proceedings. 

What is some good "language" to put in the new leases to account for paying their own water and trash??

I don’t think out of towers take in to account how new and low maintenance our housing stock is. 20 years is an old house.

Now I am getting charge .8% more interest for it being an investment property rather than owner occupant.I remember when I bought my first home with an FHA loan the lender looked through my bank account and grilled me on any type of income coming in.

Don't take much note of the NZ news papers Account Closed, Correction in China will affect the entire world not only theses countries.

Hey Account Closed you actually got me thinking last night about the Bay Area a little more.

You draw from the escrow account as you complete phases of work. (5K after exterior is complete, 5K after Rough Electrical and Plumbing, 5K after flooring, cabinets, etc. 10K at completion) This protects you and the lender from a contractor taking off with your cash and not even hammering a nail at the job site.

We have a friend who is working over seas, and because of this, he cannot put his foreign money into a Roth account.

Account Closed yes I'm still looking for a general contractor.