Hello BP Family, I’d like some feedback on trust companies that people have used to create Self Directed IRA’s. After talking to 3 companies I feel that this is a great resource to build a real estate portfolio , I do...

Now it may get to where they could benefit from the STR usage to help soften the fall of RE prices, but investors should be skeptical. 

Thats atleast 6 months of usage. 

Tenants make no effort to minimize usage if they're not paying it.

Water usage will increase with occupants, electricity (which I know you said they'd pay directly to the electric company) is different.

I apologize in advance if this question is inappropriate for this forum.  

If the duplex has one electrical meter then one person pays for all of the usage, and the only way to recoup that is to use a bill-back system in which each tenant repays a portion of the electrical usage (or a variation of this idea).

Finally, you can have water company come out and audit water usage.

Would it be inappropriate to ask for proof of unemployment from their employer?

Is it possible or inappropriate to bring this up to my agent and ask to reach out to the seller and explain the situation and propose a lower offer that I'd feel more comfortable offering if I went through with the deal and ended up losing my job and had to float the mortgage with savings?