Where did you take into account the landlord paid utilities?

Hello Biggerpockets Community, This is my first post as I am trying to utilize BiggerPockets more. 

For example, an algorithm can't compare a property that charges a flat fee for utilities vs one that charges based on use. 

The canceling tenant remains responsible for rent, utilities, and other charges until a replacement takes over.

Shortly after the crash my tenants learned that condo developers were renting out luxury apartments in the area for around the same rents I was charging so I was forced to lower rents. 1200/apt 2 1050/apt3. 

Here are the key numbers:Potential purchase price: Mid-$400k rangeAppraised value: Estimated at ~$500kRehabbed comparable properties (comps): ~$580-600kMonthly PITI (with 5% down, including mortgage insurance): ~$3400First-year PITI (with 2-1 buydown): ~$2900Monthly income (after taxes): ~4-5kLiving expenses (utilities, groceries, etc.): ~$1600Savings available: ~15-20% of the purchase priceCash to close: ~$34kRehab estimate: ~$34kRemaining reserves: ~$20-25kTo fully fund the rehab, I’d need to come up with an additional ~$15k in the short term, which I anticipate paying back quickly once the rental portion is generating income.

Are there any strategies here to utilize bank funds for our project?

We were looking in the Smokey’s and in Florida but we might just shift to our hometown and house back it with the ADU unit utilized for STR. 

Has anyone utilized the 100 percent financed Multi-family Acquisition Program?

Outcome currently is a rented basement for $1,350 a month + $130 in utilities while I live in the upstairs unit.