google "all inclusive Deed of Trust" fantastic CA document we used all the way back in the early 80s If I'm not mistaken though a wrap would require the 2nd buyer to also agree to financing terms; which would be the same as me (the 1st buyer). 

This isn't inclusive but should give you a good start.

Additionally, do you all generally use a smaller income criteria if the rent is inclusive of utilities? 

I'm seeking to be in an environment with like minded individuals to learn and network to grow my portfolio and eventually network to collaborate on larger deals once I have a better understanding of the commercial side. 

Situated on a 0.52-acre lot, the property provides a spacious environment.

This isn't inclusive but should give you a good start.

I recognize there are other ways I could invest this cash (including another property) but I am being mindful of levering myself out too much in the current environment where job losses are more common in my industry (tech).

The FMR on HUD's website are inclusive of utilities.

This keeps the listing inclusive while giving guests helpful info.

I have not purchased property via their platform but I'd also note it's few and far between to try to find any deals that pencil in the current environment.  4-5 years ago one could find good cash flow with SFR properties.