Tenants will say all kinds of crazy things to you that they have no intention on actually following through on (often it's "I'm going to sue you!"). 

Some lenders use the lower of the actual rents (if rented) and the appraiser market rent survey to calculate the DSCR ratio.

What Chuck describes (supplying no appliances at all) is actually illegal in a number of states.  

I am actually planning now for when my kids are in/through college and I am able to target larger multifamily projects in a wider geograhical area. 

My 2 cents is right there with the other guy, get into something on your own first to test the waters and know what it’s like to actually buy and do some work.

This is your actual cost of the property. 

It's not quite the same, but it's actually better because we don't waste time drinking beers and shooting the breeze about football or cars.

I did not want to incur the cost but I figured...that maybe....just maybe....sometime in the near future us ADU home owners may be able to rent both units....like a duplex.At that point it will be worth it to let the tenets be responsible for their own bills.Not saying that other ways are bad...they are actually very cost effective if you are living there...but what about as you scale your business and move onto other properties.This of course if your city will allow you to rent both units...the city I am in is tough but things can change as more pressure is being put on affordable housing.Once again...not saying any way is right or wrong...I just did it this way for the reason I just mentioned.Thank you....

I am actually about to try again, so any insights from the community will be appreciated!

You'll actually learn useful stuff and won't be set back 5 years with an upsell.