I’m more inclined to believe Cozy, and don’t think a bank would mark a payment as fraud due to insufficient funds, but would rather charge the account holder an overdraft fee.

If you don't have that kind of offering from the electric company you really ought to look into a different fuel for heat...if you're inclined to give the tenants a break on heating costs. 

lol not to inclined with the lingo but the more experience the more i will understand

It is going to be difficult to get a conventional loan for something so cheap that you can fix and BRRR it because you'll be competing against cash buyers and sellers are more inclined to take less money for a guaranteed sale over someone who might not close the loan in the end 

While the cash-on-cash return might be higher than the method currently being used, if it requires you to study full time for 9 months because you're not particularly inclined to that skill set, then it could end your career and/or motivation.

If my vacation didn't have a mortgage I would be more inclined to consider it.

It's common to see pre-payment penalties in this loan product and now lenders are less inclined to negotiate these pre-payment penalties down knowing rates are expected to continue to decrease which incentivizes the borrower to refinance.

BUT, I would keep a spreadsheet (or accounting software if you’re so inclined) and track the set-aside for capex, vacancies, maintenance, etc.

One class for each property, perhaps with sub-classes for each unit (if you are so inclined).

I also take an active role in clinic management and quality assurance and will be finishing a masters in health policy and management.