If a commercial property such as 9+ residential units (such as an apartment building) or not residential, the below doesn't apply. 9+ units typically take extra expenses into consideration such as management fees, utilities, etc. 

I would recommend utilizing the find lender tab.

@Erik Heldt, happy to provide you with some guidance regarding utilizing your VA loan.

or do you prefer to utilize your cash differently to grow your property holdings.

  Also make sure you look at utility access, as road/drive issues often are tied to other municipal items.

Buy or inherit and hold all their lives while working the properties for income.I've seen teachers, firemen, software engineers and all sorts of people utilize both strategies successfully.

ABC kept the first two and half months of rent from the rental guarantee for tenant placement fees and utilities (water, electric).

And this is NOT even considering that a cap rate ONLY utilizes one year of income AND only operating expenses and ignores capex and appreciation. 

I had a property in Cleveland (Warrensville Heights) for 4 years and yes, I had to pay for the water/sewer (but not snow plow) and it was in my name, as the utility company billed me directly.But, I had that expense factored into the rent, so I was reimbursed when the rent was paid.

I want to utilize, but need some help in this area.