Does this sound familiar? Your water, sewer, and trash bills keep climbing, tenants have zero incentive to conserve, and your “all-in” rents make you less competitive in the market. What if you could reallocate master-metered utilities to residents, improve cash flow, and unlock six- and seven-figure forced appreciation—without adding hardware or massive CapEx?

In this episode, you will be able to:

• Understand RUBS (ratio utility billing) and how to fairly allocate water/sewer/trash without installing submeters

• See how $36,000 in annual utility reimbursements translated into ~$1M in added value via cap rates

• Use “BRRRR 2.0”: replace heavy rehab with expense reduction to raise NOI, refinance, and repeat

• Apply RUBS to small multis, duplex + ADU setups, and even HOAs to stabilize dues and encourage conservation

• Learn simple onboarding steps (letters, lease language, notices) and how to pass admin fees so the software is effectively free

• Avoid common pitfalls of submetering (cost, failures, maintenance) and navigate regulation differences across markets

Tiffany Mittal is a multifamily owner/operator turned proptech founder who launched Utility Ranger in 2020 after years growing utility-billing startups and solving her own portfolio’s rising expenses. Backed by the 10X Incubator, she built a “TurboTax-simple” RUBS platform serving thousands of mom-and-pop owners who’ve been overlooked by traditional providers—helping them put more cash in pocket and increase asset value through smarter utility billing.

Resources from this episode

• Get started with RUBS: utilityranger.com

• Connect with Tiffany: @TiffanyMittal on social

• Learn about private lending & Pine’s mortgage funds: pinefinancialgroup.com

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