Or just strangers off the street you met at a REI group? 

While algorithms can analyze data at scale, real estate isn’t just about numbers—it’s about nuances and the most important component of real estate is understanding its value, and that to me (maybe I am old school) but can only be done by physically visiting and walking the property.So for me, factors like local market conditions, property inspections, and borrower credibility can’t be fully captured in a formula.

I'm here in the Tampa Florida area too...

My suggestion would be to cap your utilities at a certain amount and have Tenants pay anything over that amount.That will help you manage your expenses, and also allow Tenants to gage their usage each month, and make adjustments if they don't want to go over the allotted amount.As far as collection, provide the bill showing any overages and just have them pay for it along with their rent. 

Just make sure you keep enough in an emergency fund in case a roof or furnace goes out. 

What marketing efforts are they going to do outside of just posting in the MLS.

I was looking at an attractive rental but it looks like the land value is 75+% of the value, so I would be paying a ton get very little tax benefit. 

Just to add to what has been said here - if the seller described this as a triplex on the sale documents, they might have a legal liability.  

I recommend you include some of your key qualification criteria in the advertisement.

Here is my account LOL, I don't know why it logged me in the other way without my account connected.