I'd say test a few out and see what kind of people you get.  

You don't want your guest putting utilities in their own names because this is one of the items that is part of the litmus test in certain jurisdictions for establishing residency and therefore conveying long term tenant rights.

Really need the actuals and put the numbers through stress tests. 

We just tested them out on a couple projects we are doing and they are both in the final stages of completion now. 

Conventional route would work for your 4-unit plan, you on't have to worry about a self-sufficency test going that route like you would with FHA.

I maxed out all my PT tests in the Army.

Run owner reports.After testing a few apps, one of them should stand out for you.

The dig out is not horrible, but you will need to dig some test pits to see how far you foundation goes.

I have not tested this theory yet, but I figure it will get people's attention better if they have an idea as to what they might be able to sell for. 

Run owner reports.After testing a few apps, one should stand out for you.