Hi Chase,I'd recommend leveraging your experience with a lender and utilizing seller financing options.

You should utilize resources like BiggerPockets, build a team, and use online platforms to find potential properties.

You can then find a multi unit that at least has one vacant unit so you can utilize your VA loan.

You may also want to bring a flashlight to better assess darker areas, especially if utilities are off.

But remember that for studios, tenants typically would pay their own cable, electric and other utilities and maintenance, so the gap is bigger than just the base rent comparison.Our tenants have the option of paying an extra $10/week to have a mini-fridge in their room, and $10/week for weeks they want a window A/C unit.

Not sure if you have a direct question, but reading the questions between the lines on when a property is actually considered to be in service.Facts and circumstances.Generally for a rental property it is "in service" when it is "ready and available for rent" - meaning you are marketing it for rent, and a tenant could utilize a property that day.

FEMA rental Assistance covers the cost of monthly rent and essential utilities, gas, electric, water, trash, and sewer.

I do not have a sheet but I typically budget $150 for lawn, $150 for pool if applicable, $100 for cable, $100 for water, $300 a month for electric (depending on property size and your local utility costs), $50 for pest control, and another $200 per month in misc. 

Are you utilizing any cost segregation studies/real estate professional status to lower the taxable income?

I find that most of the investors I work with always utilize hard money.