I think it all depends on what your risk tolerance is, and what your timeline is for how quickly you need to access the money.

@Grayson Gist  What would be best for you would depend on the laws of your jurisdiction.

We market the property at lower price and then discuss a sort of 'cost averaging' for that utility during lease signing.Here's another 'out of the box' idea - depending on your layout and climate - you may consider electric baseboard heat as a different option for heat, coupled with using window units for air....Jim

Thanks @Sam ShuehWow, $25,000.I property purchase was a foreclosure.I think I picked up a pretty good deal in current market.I have had a number of realtors view the property, the feedback has been very positive.Location is excellent and this neighbourhood is hot, prices are moving.I have also looked at comps and anywhere from $130,000-160,000 dependent on the size of house and the quality of rehab.I have also had rental assessment come in at around $1100-1200 per monthI pretty much have now made up my mind to hold and rent this property.

@James DavenportIt does depend on the condition of the property.

So it is hard to say if they are good or bad, it just depends on the deal. 

@Sanjoy V...there should be many options, depending on your qualifications and blanket answering best terms and structure I think is tough. 

As others have mentioned, depending on your family situation - IE schools - you should be able to find a 2-4 unit that you can purchase with your VA loan.  

If she is employed you should be able to garnish her wages depending on your jurisdiction.

They should be able to give you a fair estimate of the costs but obviously that would all depend on what came up on the inspection report and what all you wanted done.