It required MAJOR renovating which cost quite a lot of money.

Believe me, I know about the online gurus, I've been trying to avoid what they market wholesaling to be, that's actually why I came to ask on BP to begin with was to get realistic perspectives, even though it is a grind, I think it is a grind I am willing to make.

Prior to this I’ve lived here around 6 years and always paid my rent on time faithfully and plan on setting up auto-pay to avoid any discrepancies in the future but I honestly can’t afford to just give away an extra $370 if I don’t owe it.Any insight into the discrepancy would be greatly appreciated.  

I would avoid this area.

There are some things that can cause issues with your upfront approval or end up causing a denial in or during underwriting that an unexperienced loan officer will not know or catch.One big thing to keep in mind is when you are buying more REI the guide lines require more assets and PITI reserves and a HELOC can "Never" act as an asset or PITI reserves.

Does anyone know if you can refinance a NACA loan after a year without having to pay the 25k lien put on the property and also doe that release you from the occupancy requirement?

I require my tenants to provide a 30-day notice regardless if they are terminating during or after the initial lease term.  

If the water bill is $100 a month, increase the price by 20% (or whatever you decide is fair) to compensate you for the time required to split and bill and to cover additional use when tenants squander the utility.

Did Wells Fargo require you to provide any local address?

You could do that, but it is not required and the costs likely outweigh any benefits.