This is why master-metered heat is one of the biggest margin killers in small multifamily.Short-term mitigation options:• Install lockboxes or programmable thermostats with limited ranges (still compliant with local code)• Improve insulation, weather stripping, and seal air leaks• Service and balance the heating system to make sure it’s not over-firingThese help, but they won’t fully solve it.Real fix (long term):• Sub-meter heat if feasible, or• Convert to individual heating systems, or• Underwrite higher rents that assume landlord-paid heat as a permanent expenseMany Chicago investors simply bake this into rent and accept lower margins, or they eventually reposition the building when leases roll.Do not try to change rules mid-lease.Any change to utilities or control needs to happen at renewal and be documented properly, or you risk violations.Blunt truth:If you’re paying the heat, tenants will use it.

I’ve had other shenanigans with them and other big national “internet lenders” as well.

Compared to a $300 HOA, that’s an extra $250 per month in costs.Now compare that to the mortgage payment difference on a $400,000 property with 25% down and a 30-year loan:3.99% interest: about $1,430/month6.25% interest: about $1,847/monthDifference: $416/monthThat lower mortgage payment is largely offset by:Higher property taxes: $150/monthHigher HOA fees: $250/monthYou also mentioned that the HOA covers water, sewer, trash, internet, and landscaping.

Utilities, internet providers, maintenance vendors, and emergency services all play a role in your ability to respond effectively.

Any type of security system I can use that doesn't require hardwired internet. 

To me, plenty of free information on the internet on how to learn how to give someone with no money unsecured loan in the hopes they pay you back. 

Most renters in this setup already have their own bed and basic items, and including utilities and internet is a big value add.Make sure you’re using a lease that’s written specifically for rent-by-the-room.

Yes, horror of horrors, there was no internet or social media!

Startlink Internet Installed (monthly service paid by tenant)2. 

I just can't find much info out on the internet regarding this topic.