Even if it's justifiable to charge the tenant most tenants aren't going to see it that way.

I’m trying to find houses for my buyers but most of them haven’t talked to any lenders & the ones who have talked to lenders say they aren’t able to get an approval.

I see the importance of avoiding debt on things that aren't cash flowing assets, and I'll make sure I fully understand the terms of my leverage also.

Lay down the law, get everyone on the state-specific lease if they aren't already.

Who knows, maybe they aren't outside all the time or maybe they calm down when people aren't pulling into the driveway?

So I know this post originated previously, and while we aren't seeing the competitive offers to the extent they were a few months back, we are still seeing them. 

Aren't insurance and taxes typically considered part of the 50% for expenses rather than the 45% for debt service?

We would have assisted you in avoiding a nightmare situation like this, by making sure you knew about the challenges and if you decided to still move forward, making sure there was a solid renovation plan in place to address them.Who's your property management company and why aren't they educating you on all this?

Generally speaking, second liens aren’t available on investment properties.  

The tools commonly talked about on BP aren't enough to figure that out, so you'll have to get a bit more advanced.