I did my analysis without including the utilities because i was under the impression the property was separately metered.Would you advise me to get individual meters installed?

So you would not have to write it into the purchase and sales contract, you could create a separate agreement that descibes the two week provision for 5 years for the seller and include it when you present the purchase offer.    

Commercial lending comes from each lender separately.  

I'm just at a loss because initially I was heavily advised against forming an LLC because of the lending concerns, and now I'm being advised to form one to separate the finances.I appreciate any advice and helpful tips.

The partnership agreement with OPM (Other People's Money) should outline detailed explanations of your separate roles.

Hi Mark,  I'm mid way through a Finance Of America 30yr commercial loans on 3 rentals.  3 separate loans, one on each rental.   3.85%, with $4.8k buy down. 

We've seen scenarios where 1 Solo 401k plan does the job of 4 separate IRA LLCs.

On a separate note i feel defeated in the sense that I'm now living in my "investment property" anyone else with a familiar story?

The forever home will need to either be a duplex, have an ADU, or some other separate space for her mom to live in, as she currently lives with us but we will need to have separate spaces when we get married.

And have the separators been converted to the units are all together?