@Shelby Ek Do you need to activate the utilities in order to qualify for the loan you are getting?

Most states allow you to hire your own adjustor to come up with your own damage amount and then argue with the insurance company about.The insurance company will want to see the signed lease, proof of funds the tenant paid and confirmation the utilities were on and preferably in the tenant's name.

Or find a property that is under-utilized or has below market rents.Otherwise, you could also do the OPPOSITE of the great advice from @Jonathan Greene and buy a property with multi-bed units or live in the larger unit and rent out the smaller unit - while getting a roommate(s).

That's just the max they will pay for rent plus utilities.

Now I aim for bigger and better, I want to buy a home FOR airbnb but I still want to simultaneously still do airbnb arbitrage, the benefits are just too great at the moment and to be honest a lot of the money profit wise I just have been utilizing to put back into the business and further expanding, paying off business line of credit and such.

I would definitely encourage to utilize all the resources that Bigger Pockets has to offer. 

Why would you pay down a 7% interest rate when you can utilize the extra payments towards actively investing in other opportunities that can provide a higher return, e.g. actively investing in real estate.

I have recently started utilizing this platform for just that and I've already had some great conversations with people here. 

Make sure everyone knows a cleaning schedule, expectation for common areas, how are you splitting utilities, guest policy, etc. 

(If there’s isn’t a checkbox for utilities on).