It is included in the monthly cost and often gets a response because it is on letterhead from a law firm in Chicago.

Thanks for your response :)

i would stay away from SFH as your first purchase. you are 100% responsible for that mortgage should something happen like you lose your job or something. a multi family gives you breathing room. one thing to keep in mind is the taxes...sure the Bronx may have higher prices compared to NJ....but you can find properties in the bronx with 2-3k annual property tax rates.....while Jersey has some of the highest property tax rates in the country. factor that into your math and not just the purchase price. 

I gave response to your other post. 

They are more likely to get opened and, in turn, increase your response.

Cash and it would be nice to refi to buy another investment, but not crucial? 

Tenants are typically responsible for all utilities (water/sewer/garbage/power/gas) for single family homes. 

Thanks for the responses... 

hi all, thanks for all your responses so far.

Storm damage from trees is the responsibility of the home owners insurer.