Who pays for utilities?

[Jose Almonte]

So looking into single family homes in the $400K range.

Assuming $150K downpayment the mortgage payment comes out to $2300 rounded.

Property tax is usually around $6300 a year rounded. $525 a month.

Zillow rent estimator predicts $3000/month

I’m not looking to cash flow much year 1. But I’d like to be cash flow positive even if minimal.

The real goal is capital gain, and future cash out refinance.

It all comes down to utilities, and insurance. Who pays for utilities in NJ? The landlord or the tenant? Thanks.