Have any investors here utilized such funding methods?

I haven't done this as this is going to be my very first property, please feel free to ask any questions:Potential Rental Income: $1000/- month (Right now through housing, but rent is due for increase)Taxes: $2600/-Utilities Water/Sewer: $800/- (Rest of the utilities are paid by tenant)Purchase Price: $124,900/-

Most investors and agents are too scared to negotiate, I bought the home on over an acre for 300k.I like to take a net approach where I utilize as many sources as possible to find deals.

Is this common for these types of loans?

Now today on the 20th at 130pm with a close tike of 3 pm, the underwriter decides that they don't like that because I'm so young and so fat have only been an authorized user on a credit card (having been renting and paying for utilities for a year though) and haven't been making the payments, that now I would need to have a cosigner (which doesn't really work since everyone I know have too many write offs) so now I'm in limbo while I wait to see if there's any other solutions.

Septics, land, and utility installation will not get cheaper.

You can actually charge a RUBS fees with the rent to offset utilities. 

I think you’re in a great position to do that and get your feet wet and utilizing this opportunity to set yourself up well as a young age.

Operating Expenses (30-35% of Income)Rule of Thumb: Allocate 30-35% of your rental income to cover operating expenses such as property management fees, maintenance, repairs, utilities, and insurance.Why: Properly budgeting for these expenses will keep your properties well-maintained and avoid unexpected financial strain.3.

Tenants pay all utilities)Taxes & Insurance:  $149 / monthPlease reach out if you have any solutions that you can provide or if you would like to discuss more details of the project.