Money saving tip, consider a tax professional that is a not a CPA. 

Go to your county recorder's office and request the lists (they may also have self service computers to look up these files).

I live in nyc I can only offer 3% down at the moment Any creative tips?

We also buy quite a bit of liability coverage and umbrella coverage.That having been said we do always question how replacement cost is computed as underwriting is often doing that from 1,000 miles away on a data base knowing nothing about the property and they have always been willing to adjust a bit when we have felt it appropriate. 

Went back to school, and now I'm taking my last two classes to earn my bachelor's in Computer Science.

Any tips would be greatly appreciated.Thank you

When it comes to actually securing a contract on a home that appears to meet your criteria, here are some tips (outside of simply raising the price):1.

Appreciate the tip.

It will probably cost me a fair amount of $ but the hope is that I'll have less tenant tension from top/bottom units.As for electrical there is a sub panel that attaches to the basement unit... might be able to do something with that.I am open to other ideas on how to deal with the heating/cooling if possible and any other helpful tips on a top/bottom rental.If the heating/cooling, water, electrical aren't separated out, then I would have to have a built in price factored into the rent instead of the tenants paying the utils themselves yes?

I definitely believe in very very full transparency, so that's a great tip.