I was very attracted to their home remodeling templates, in which you can choose from a number of different room designs and download all the necessary materials/SKUs for the contractor to do the job.

(k) to neither hold not attempt to hold the Landlord or Landlord's agents, employees, or insurance companies liable for any injury, loss or damage to persons or property arising from any unknown cause, or arising from fire, floods, riots, governmental actions, acts of God, terrorism, interruption of utility services, or from the defect of the Property not called to the attention of the Landlord by Tenant in writingThe tenants should file a claim with their renters insurance. 

If this rural Georgia, you will also have less options to billback utilities (or rather you can billback but the tenants might not pay you).Unless the seller provides financing, what lender does the seller expect you will get financing from based off these shoddy financials?

Have sent two mailings so far and received zero leads.Driving for dollars - Driving and dropping off material in target markets.

I would be in the utility company asking who I needed to to get the info. 

The City of Independence stated that they have been trying to get USREEB to fix the issue for almost 2 years & I was never even notified of such issue.The tenant moved out Aug 2017 & the property management company kept charging me utilities upwards of $400 when the property was vacant & did not/could not provide me proof or answer why.The bottom of the kitchen sink cabinet was missing & had fungi growth that was never cleaned and replaced.

Since my fiancé is not on this mortgage, could she purchase a piece of property and utilize the easier lending for a first time home buyer?

Selling a piece of land with utilities to the site, zoning use approved, scraped and cleared land, etc. is very different then selling a piece of land with an old house on it for a tear down and lot had to be cleared and graded.As a commercial developer if a seller wants a quick sale then it will be a low cash offer.

They include loan payments, taxes, insurance, utilities, and any other costs that occur during the Rehab period and up until the property is fully rented.  

I am going to put an offer on a bank owned REO, but the issue is that all the utilities, i.e. heat, water and electricity have been shut off.