It is always better to have the tenant paying for the utilities as they are the ones using them. 

Google for a Service Agent who does Evictions and pay to get them out.

in 3 years you can pay off any mortgage 500,000 or less for $1,500 bucks.. or in 5 years a $477,000 mortgage for $100..I am implementing something new for the real estate industry, primarily to mortgage holders & the rent to own industry, as a shorter-term approach to be mortgage free, without cost being an obstacle ..

I know they say you get what you pay for but I am impressed with this STR PM, and I use Steesa and Innago. 

- If i Sell , as this was my 1st house and lived in 4 years, do i need to pay capital gain tax ?             

I like the fact that one and a half units pays all bills.

I don't really want to go looking for the financing to pay him his balloon payment.

https://treas-secure.state.mi....some things to keep in mind:-Non owner occupied properties pay 18 mils more in taxes in Michigan - Even with the SEV you should plan that the SEV will go up.

I would stay away from section 8, pull credit and background, and call referrals, and look at pay stubs for everyone who applies.

See if you will have to pay for recapture.