While the “debt to equity” practice may not meet MY PERSONAL definition of “fair”, in and of itself it is not illegal, unethical, or fraudulent.Truth is if the posters warning about the subject have accurately portrayed the specific situation, there is cause for concern.  

Tom Wheelwright’s WealthAbility is a full-on SCAM with shoddy ‘business practices’ that needs to be investigated for consumer fraud!

.  Go and call around to other landlords in the area or property management companies and get copies of leases and act as a renter and trying to understand what the requirements are and their best practices.  in our area, it is common to pre-lease 9 to 10 months in advance before the academic year begins and for tenants to pay every utility including water .

Quote from @Phil Salazar: And alway close with a Real Estate Attorney who closes at his office.Correct.Some states are escrow states, so it's common practice to close at their place of business.

A few practical options I see working right now:1.

Good morning folks,Wondering if there is a good practice or rule of thumb when it comes to small repairs requested by tenants.

Over a $360,000 dollar increase from what I had underwritten.Seeing this as an industry-wide issue, I reached out to an attorney who focuses his practice on representing landlords in restaurant lease negotiations.

Lawyers generally dont give advice on how to circumvent lenders :)As for practical advise if the insurance is in the monthly payment then just keep paying .

It takes patience and good business practices to be successful. 

I'm especially curious about: Your best practices for staying organized across multiple propertiesAlways happy to share what's worked for me, too, if anyone's interested.