The reason I ask is at that rent point there is no profit on a sustained hold.   

I am just curious if you are utilizing cost segregation strategies for your investments? 

Your financial position is strong, and leveraging financing for your next rental while maintaining a conservative debt-to-income ratio is a smart approach—consider consulting a lender to explore options that align with your goals and keep your investments sustainable.

It falls short of the 1% rule which with current rates is not sufficient in most markets to have achieved real cash flow after properly allocating for sustained expenses. 

- Usually a 5 unit with a boiler means that all the units share the boiler heating system.Which specific utilities in which units are paid by tenants vs shared?

Instead, it’s about creating a system where housing remains accessible and sustainable over the long term.

I can pay utilities, insurance, and other holding fees but I won't have enough to pay other cost like listed above.

I'd be surprised if the complex doesn't have individually metered units so you may be able to eliminate the utility expenses unless those are for common areas like walk ways, parking lot or laundry.

Additionally, do you all generally use a smaller income criteria if the rent is inclusive of utilities? 

Most hard money lenders require 10-20% down payment of the purchase price or total project cost.Holding Costs During Rehab: Yes, you'll need to cover carrying costs, including hard money interest, utilities, taxes, and insurance.