@Frankie Lotrec if you have an existing loan on the property and you plan to legally convert from a 4 unit to 5 unit , you should check the loan documents because you’d essentially be converting it to a commercial property, since 5+ units is considered commercial and subject to different appraisal approaches and so it would rule out the property being considered for purchasers utilizing residential financing.  

If it doesn't pass I ask it why and it will give me points to utilize in any negotiation.

Using simple numbers, assume I want to purchase a $100,000 property using crypto as collateral:- I pay the closing costs with cash- I put down 10% down payment with cash ($10,000) - I utilize a crypto mortgage for the remaining 90% ($90,000) This way, I still keep my crypto and I have a property, both of which may accrue in value over the long-term.

Quote from @Timothy Villa: Hey y’all just heard about this community and wanted to utilize it to grow more knowledge in how to have real estate help me with earning passive income.Welcome to BiggerPockets!

A lot of lenders used to apply 35% for expenses, but in the last several years, the numbers for supplies, labor, utilities, taxes, etc… have increased significantly.Also take into account the age, occupancy and how has the property been maintained, this will affect the expenses too

Hi Tom, Building a manufactured duplex on land could offer great returns, but it comes with complexity—zoning, utility hookups, and permitting can delay your timeline and add hidden costs.

To estimate expenses, consider setting aside a percentage for management fees, plus costs for cleaning and utilities.

then, there are holding costs while you rehab - servicing the loan, insurance, utilities, the rehab. 

All utilities are split and are paid individually by the tenants.

Depending on her contract she may have to wait out the term.Is she currently covering utilities?