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

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?

Hope this helps...https://www.starkhelpcentral.com/rent-utilities-assistance

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

Some expenses, such as utilities, property taxes, and interest, incurred during this period may also be capitalized.

Utilities paid by me or lawn mowing and snow, realtor commission for renting, legal expenses etc.  

S8 standard voucher amounts INCLUDE all utilities.

Need more information surrounding why your current lender is suggesting they cannot utilize the rental income on your investment property.

Learn as some level what the 6 ADU regulations permit.Under utilized zoning: Is there a duplex where there can be a quad. 

I am researching a project and doing an extensive property visit next month on a project that yields well over six figure in revenue.