It is going to cost a bunch to separate the electric meters and make it two units.

I would begin to have a conversation with an architect/engineer and someone who understands zoning to see the possibilitiesGood LuckGino

I may be wrong, but unless you are modifying square feet, you don't need to pull permits inside the 4 walls, unless you're doing electrical/plumbing?

We had an engineer come out, and according to his opinion, the lots are not buildable.

Much of lower Manhattan went for almost 2 weeks without electricity, heat etc.

They have a report bills to credit angle.What will happen is that instead of you paying your bills directly, you pay tomo and they pay your bills and depending on how much you decide to pay them monthly they will report 1000 - 10000 in a type of credit line to credit reporting bureaus.There are a lot of these report bills to credit services available these days and most cost less than Tomo...Tomo Boost is the only one I mention because they can back up to 24 months... so if you've paying your cell, or Netflix or Electric Bill... literally any bill... they can back date up to 24 months.So... if you do both Tomo and Rent Reporters... inside of 30 Days you would have 2 accounts over 2 years old and your credit would be in a much better position for applying for a mortgageOne other thing that is worth mentioning is that INCOME is MUCH more important than credit when applying for a mortgage.

Minor electrical is what I’m best at, recepticles, switches, fixtures.

Get electrical connected (electrician)4) Do any cleaning , painting , etc needed to get it rent ready4) Get a tenant!

As @Charles Carillo said, you can make the most of that time, but most people just waste the 4-5 years and then end up doing something unrelated to their degree field anyway.Maybe look into a Trade School, like an electrical one....nice clean work that pays really well.

Get full year electric bill4.