There have been numerous people on BP talking about how they paid application fees but they could never get their loans closed on any deal brought to the company.

With a multi-head mini-split, each room can be individually controlled.

I would love to hear from more experienced individuals on your methods and reasoning as well as how it has worked going out of state vs staying instate. 

I work deals in his coaching sessions and get a lot of feedback from many individuals.

I chatted with them on the phone and said that they work with different banks and the loans are issued as "personal loans" based on the individual's credit score, and it can be used to purchase real estate as well.

This is a very common strategy used by high net worth individuals, mainly to benefit via interest rate arbitrage.

Did you structure this with a company who would do private HELOC or with an individual?

Almost all the properties on the street are owned by the same individual.

Hi @Daniel Kevin Lara, I'm going to assume from your question that none of your utilities are individually metered (a bummer, since that simplifies this scenario a LOT).I would work out the historic averages for the utilities and split the average among my tenants, either:- Split it evenly not factoring in my usage (i.e. they pay the full share) OR- Split it evenly between ALL residents and add a surcharge to give some buffer or padding. 

There are numerous lease violations.