Am I missing anything here?  

I’m not sure how specific things need to be in the lease agreement and I’m worried I’ll miss something important. 

Additionally, if the borrower faces financial difficulties, they’re more likely to prioritize payments on the first mortgage to avoid foreclosure, which could lead to missed payments on the second loan.

But what if you missed HUGE opportunities or made some really rookie mistakes (I'm sure the people who say "do it on your own for free!"

I'm wondering if I'm missing anything: Mortgage (20% down, so no PMI) HOA Electricity Gas (None, as the new construction house has an electric stove—everything is electric) Water Bill Camera Security System Internet Lawn Care Regular MaintenanceQuestions: Will I need to pay for trash? 

Uncle Sam never misses his payments.

No, you’re missing the fact that when you buy a house fully furnished you can roll in the cost of the furniture into the purchase price and get it all financed on a 30-year mortgage (depending on appraisal price of the home, YMMV).

High Credit card utilization is better than a abundance of missed payments or recent bankruptcies.

Do you think I would miss out on something?

Renters are all up to date and no missed or late rents.