It's difficult to see how a tenant will be after screened and signing a lease.

We have been told that fha will not cover this since there’s are two residences on the property.

I have poor credit, which has limited my loan options.Closing Costs: Roughly $22,000, covering prepaid taxes, mortgage insurance, lender fees, and HUD consultant fees.The Shortfall: $25,000Initially, I planned to use a down payment assistance program in Detroit, but due to misinformation, it turns out I’m not eligible.

But, they have ZERO liability for the performance of that tenant.Second, 97%+ have no idea on how to screen a tenant, other than income = 3x rent and a credit score.

If you need to cover utilities, the numbers tighten significantly, making a lower purchase price essential.Let me know if you have any further questions or want to explore these numbers in more detail—I’d be happy to help! 

I'd look at the closing docs for something related to the pro-ration of expenses etc and see if you have anything there that could be a clause you point to for them to cover those payments. 

Run a credit/screening report on yourself.

Any rational landlord will double or triple their screening efforts because nobody wants to accidentally put a deadbeat in their property. 

It usually doesn't cover for full replacement of your property.

Focus on tenant screening, building a local team, and learning as much as you can, starting early sets you up for long-term success!