Tenant pays all utils except water.  

Sister starts to dance and trips and falls.

BUT, get a solid quote on utilities.

For further context, we are trying to have him be the name on the loan because he would be able to utilize his first time home buyer loan to take advantage of the lowered offered interest rate.

If there's enough duplexes that it's likely you find one you like in a reasonable amount of time (less than a year), then start looking at them in your preferred area.

Often times you will pay much more in taxes than if you pulled the money out, paid the taxes and penalty and then started investing in real estate.For example, with the financing you mentioned, the IRA must pay taxes on the portion of the profit earned by financing. 

HOW TO SHARE UTILITIES 101You have a property with two or more units and the utility meters are shared.

It is what is left after snow removal, cutting the grass, utilities, tenant issues, parking lot issues, property taxes, mortgage payment, etc. that make a difference.

The tenants pay all utilities including sewer and garbage. 

3) Any advice for someone starting out, especially when trying to scale a mission-driven organization like this?