Another option if you are looking to rent rooms and there are hospitals in your area is to market to travelling nurses, using a website like https://www.furnishedfinder.com/  These are shorter term leases, usually about 3 months, and you are renting to professionals who are in an area for work.

At this point I'm inclined to average fuel usage over the last few years and come up with a heat included number to add to the rent.

The target demographic for MTRs is traveling nurses.

It's a former adult care home, so the layout is shared bathrooms, and this would allow me to not have to change the plumbing layout while offering a competitive price-point and unique experience to travelers.

Most of these scammers are overseas and not English speakers, and you can tell by their grammar and word usage, or they use very short sentences so they don't have to say much.

Here’s what I do with my rentals:I either have tenants split the utility bills or include a clause in the lease that states if the gas or water bill exceeds a specific amount ($X), the tenant will be responsible for the overage, provided there are no leaks or other infrastructure issues contributing to the high usage.To determine this $X amount:Water: I take the highest water bill I’ve had over the past year (excluding periods where leaks occurred) and add about $15 to account for small fluctuations or potential increases.Gas: For gas, I calculate the median bill during the winter (when usage is highest) and the median bill in the summer (when usage is typically lowest).

Your recourse here is to A) talk with the bank and see if an agreement can be reached, B) refi out of the current loan into a new loan for investment property usage, or C) sue the lender and see what happens.

As Kevin points out, traveling nurses make good money, and their employer pays for their housing.

Traveling Mailbox is a great value. 

Down side, your 2nd usage of a VA mortgage will run you 3.3% on the VA Funding fee (but it is financed into the loan), unless you get any disability from VA.