Be prepared to show a lease, some utility bill, or credit card statement showing you live somewhere else.

Does that include utility service to the house, a driveway, septic and well? 

I can only speak regarding structuring the deal as I have not utilized partners personally but it really can be anything that you want.

I underestimated utilities in my early years, so I ensure those are properly captured (electricity, gas, water and trash).

I work with a company that you should utilize to analyze the different properties you are looking at right now. 

They were fine with my score (about 740), but have issue with the percentage of personal credit I am utilizing, so that discussion also petered out.Apparently, I have a lending profile right now, that is not attractive to mainstream lending programs.Any advice?

That's three months of mortgage and utilities, the cost of flooring, and the cost of painting.

Gave him 10 months free space rent and paid for all his utility hookups. 

Quote from @Elisabeth Lernhardt: Today I found out, that some of the utilities were not in the tenants name!

There are actually THREE kinds of subject to transactions1- subject to existing mortgage without lender approval2- subject to existing mortgage WITH lender approval3- subject to existing mortgage as part of a seller financed wrap around mortgage.with #1 and #3 it’s in everyone’s interest to utilize a third party servicer, who collects and then distributes payments.