On a side note, Id like to avoid messaging this particular individual due to a pretty hairy falling out that was had… Best, Michael

I didn't think or know I was one until multiple individuals acknowledged me as exactly that.

There will be more costs with rowhouse development than with a 4 plex, as rowhouse will most likely need to be built such that each unit is on its own plot of land, or at least the land could be split up for individual owners. 

Also, private money lenders are just that, private and not professional licensed companies or individuals.

He may tolerate that better than individual appointments. 

Not sure if you would qualify for subsidies rather than a dedicated utility company, in some places you do not want to play the "utility" game, this is very location specific.It is best practice if you can have them individually metered or submetered just charge what they owe separate from rent.

This allows everyone to make more money with less work since we can focus on our individual niches. 

However, all the information provided was best for those individuals on their journey.

Is there a way to set up an account that can strip out the $ for 5% vacancy, 5% capx, maintenance %, ect and automatically set up individual buckets for each? 

@Terran Schweikhart Welcome to Bigger Pockets - there's amazing advice and individuals on here to help you start on your journey.