I’ve been looking into setting up a RUBS system — probably billing tenants back for about 75% of the total monthly water/sewer bill, divided equally among all occupied units.I’ve read that some cities in Ohio (like Cleveland) prohibit or discourage RUBS, but I haven’t been able to find anything specific in the Euclid municipal code.

It's in an HOA so there are limitations to the exterior.Initial ideas I had:- update fans to modern design- update wall outlets to usb near beds/kitchen etc.- paint patch walls through outAll suggestions are welcome.

It was organized as an LLC, a limited liability company.

Other municipalities might forbid renting them out separately.

As a general guiding principle, when your entity structure starts limiting which banks are willing to work with you, it is usually a sign that the structure is creating more distraction than value.

It was organized as an LLC, a limited liability company.

This house is inside the city limits so we have to pull permits on everything....

You cannot do what you're trying to do and limit yourself to one company. 

“Single Return Limitation Year”.

There are companies that will do investment property DSCR loans for 1-4 units in most states down to a $75,000 appraised value and a $50,000 loan limit.