-Mortgage-Hoa-Taxes(fed/county) n/a city taxes-Utilities(covered by tenants)-Insurance; what types are necessary to calculate into monthly payment totalAny and all input would be gladly appreciated!

In between school and sports i have found it difficult to find time to earn some money, but during holidays I will try to get a job and earn as much money as I can.

Separate entries and all utilities are separated.On paper is actually still listed as a single family home (on paper meaning the listing). 

I would have been better off sub ing work out and getting it done in 6-8 weeks instead of 16 weeks.I had to put 20% down, but moving forward I would like to put less in the deal, and I will utilize a lender that finances the rehab costs as well.

I self manage and its a great way to show tenants you are serious and they should be using tech like they do with the utilities, etc. 

In the end you'll likely save more from the utilities than you lose from lowering rent.

Which are credit card ratio, inquiries, payment history (including phone, utilities, etc).

Then I will be able to utilize that money again for another property. also, I know it can be very difficult to get a HELOC out of an investment property.

Real estate agents are a dime a dozen, continue your present education to fall back on and get into real state after you graduate.It is like sports.

The question is, is there any way to take over my parents mortgage, while still somehow utilizing the Gift of Equity and turning it into an investment property?