Maybe it'll work out for you but having negative cash flow bugs me even though my wife and I can afford it. 

Electricity is separately metered on all three.I contacted a mortgage broker.

one tenant said she has bed bugs, we sent pest control for 3 times, and didn't find any bed bug, he called city, and city said even he caught bed bugs some place else and placed into a jar, and showed to the inspector in the apt, we have to do a bed bug treatment?

they are ok thank God.I did a walk thru of the unit yesterday and took them some bug spray trash bags case of water and sprays to just give a helping hand.  

It is a garage in the back that has plumbing and electric already run to it.

Real estate kind of went by the way side as I was working different jobs and building my electrical business.Last year I was working at a home that was in rough shape when the neighbor told me it was for sale.

We do have electricity.

Water, sewer, trash - on the owners, tenants pay electric and gas.Judging by the rental price per unit in 2011 ($540/mo per unit) it has a lot of deferred maintenance.

Also, a possible electrical upgrade in order to get financing.

For example, I know a guy who lives off of his General Electric (GE) dividends for retirement.