@Fran Flanagan - Your estimates are pretty close but we also have escrow payments for insurance and taxes in addition to the utility bills.

So if I want to change a window, a door, replace more than X amount of sheet rock, add/remove/move a wall, fix any electrical, change out plumbing, replace AC or just about anything else I need a permit pulled by a licensed contractor otherwise the city will fine me, shut down my job and have my utilities disconnected if I don't comply.

By the way I am certain that a broker (at least the established ones) have access to all the big banks as well.

I work that into my acquisition numbers.An older furnace, also drives up the Utility bills for tenants and they move out quicker because of it.

You can utilize them as subsidiaries of one another.

I plan to do that until I have a large enough nest egg that I am comfortable not setting aside more money.My ideal property is a multi-unit with all separate utilities.

Meanwhile my BIL in AZ ( a retired M.D. ) in poor health has already established offshore accommodation with great medical & pharma coverage..

I am also looking to create an online platform and start a blog this year, as well as learn the ropes of website creation, SEO, and begin to establish an online business.

basically the current zoning ordinance was established after Chicago was built.

The HOA will attempt, whether lawful or not, to get the new owner to pay the back fees or in order to establish an account.