A lot of those items should be within a typical lease agreement.

During the warmer months of the year I typically pay the electric bill and for my internet/tv services.

maybe some light repairs after the tenant moves in...so your first few years are typically stabilization, and you investing into the property. 

While it’s typically aimed at larger developments, it's worth investigating for significant projects.4.

:Class A Properties:Cashflow vs Appreciation: Typically, 3-5 years for positive cashflow, but you get highest relative rent & value appreciation.Vacancy Est: Historically 10%, 5% the more recent norm.Tenant Pool: Majority will have FICO scores of 680+ (roughly 5% probability of default), zero evictions in last 7 years.Class B Properties:Cashflow vs Appreciation: Typically, decent amount of relative rent & value appreciation.Vacancy Est: Historically 10%, 5% should be applied only if proper research done to support.Tenant Pool: Majority will have FICO scores of 620-680 (around 10% probability of default), some blemishes, but should have no evictions in last 5 yearsClass C Properties:Cashflow vs Appreciation: Typically, high cashflow and at the lower end of relative rent & value appreciation.

Real estate typically appreciates over time, meaning your property could increase in value even if you don’t make any major improvements.

They typically want two years of work history before they will loan, so it's possible that you won't even qualify for a loan for quite some time.

That typically isn't allowed for a non RE pro (with exceptions/limitations).

Is this a typical scenario?

It appears some folks are confused about the way this coverage typically comes into play.