It seems to me that rents have spiked in the past two years, on the west side, at least.

(Appraisal came back at 500k)FHA loan, 3.5% down4.25% morgage rate (from morgate broker, i know this is high, but rates spiked)Each unit can rent for 1900 - 2200 per month, but I would be living in one side for a year. 

When there is a spike in their utilities, they don't call me, they talk with each other to handle it.If you decide to do it this way, you'd just need to make sure to have enough of a $ buffer in the utilities account to make sure that if anybody doesn't pay it back, your account doesn't get low or overdraft.

I'm seeing an acute spike in evictions this year. 

We now we see a hyper spike in cases in areas that are not dense like Arizona or South Carolina.

I just have to think the mortgage industry though simply does not want a repeat of 08 to 2011 and will be far more proactive if they see a huge spike in non pay or late pays. 

I don't see it resolved, they aren't comfortable with a Sub-2 and for good reason if the creditor wolves are at their heels!

I never cease to be amazed at the sob stories tenants can come up with when they are on their heels.

Electric can also spike in the summer with A/C.

There are others that drag their heels, show up in the middle of the day, etc.You're on the right track.