@D'Angelo Cook, we recommend that you have an image, but you can interact and use the site without one.

I want to meter the electricity separately, and, of course, the heat.I had thought of shutting off the radiators to the upstairs floors and just having the boiler heat the downstairs and have those tenants pay for the oil.  

Add the total INCOME from all units (including any laundry and storage income)Add all expenses (listed below).Income - Expenses = Net Operating Income (NOI)NOI - Debt Service = Monthly Cash FlowDebt Service = Monthly/Yearly mortgage payments(Annual Cash Flow) / (Cash Invested) * 100 = Cash on Cash Return (10% or above should be good - Try for 15% plus)Cash Invested = Down payment + Closing Costs (total money out of your pocket)Cap Rate = NOI / Property Value (8% or above should be good - Try for 10% plus) Bank Charges Advertising Insurance Hazard Janitorial Legal Licenses Miscellanious Repairs and Maintenance Supplies Maintanence Taxes - PropertyVacancy Loss (usually 5% to 8%)Property Management (usually 10%)CapEx (any future big ticket item replacements like Roof, HVAC, Floors etc) -- may be 5% to 10% Water/Sewer Electricity Gas Fuel Oil Other Utilities

@Brandon Cook in all our rentals (duplex) @ Seattle area the tenant pays all utilities (water, sewer, garbage, electricity, gas). 

Anyone recall the Toxic Waste responsibility laws that the banks went through in the 90's, like old gas tanks, oil tanks, chemical spill and disposable chemical areas?

@Raeshelle Cooke how are duplexes in your market?

I have a property in unincorporated Cook County (Chicago address) and I wish to NOT-renew a lease with a tenant which is expiring April 30th.  1.

I owned and operated a classic car restoration shop in Hartville, Ohio for about 4 years, but moved on to the oil and gas industry just a few years ago. 

@Jennifer Jesse @Keion Gray @Susan Maneck @Garry Cook @Kevin Polite @Ben Richie @Scott SchultzFinancing-Everyone praises the local banks and building that relationship with a local bank is definitely paid off with getting in with little and no money down. 

And as Steve mentioned and posted the link......her case is against the landlord for costs arising from his/her failure to pay the mortgage, damages can also be dictated by state law, like remaining rents left on the lease, motel bills, I've seen transportation costs searching for another place and food bills because they couldn't cook at home!