get estimates for having it done, and map out what you'll save (as the owner) not having to pay the utilities per year, and measure your COCR. let's say it would cost 10k to have the utilities all split (i have NO idea what it would really cost), and you'd save $450/mo not having to pay utilities (a somewhat reasonable estimate for a duplex with water/sewer, electric, gas).. that would be a 54% cash-on-cash return, making that investment up front. when many investors are looking for an 8-12% COCR, 54% sounds pretty dang good. it will also make the property more appealing for a future buyer if the utilities are separate. 

The property I've set my sights on is a 9-plex where the owners are willing to carry 70% of the loan at a 5.5% rate for a $1,800,000 building.

Many of us are familiar with cost segregation studies and how they benefit real estate property owners.

In the future, require vet record showing age, breed, and proof of required shots as part of pet addendum, proving not a restricted breed.

His advice was to hold my current property and continue acquiring single family homes with low money down for owner occupied and move around until I’ve maxed out my mortgaging capabilities.

I'm currently exploring opportunities in both the Southern California and mid-east markets.Another consideration on my radar is the prospect of "Owner Occupying" my inaugural multifamily home in San Diego, with plans to expand my portfolio from there.I would greatly appreciate any advice or insights from those with experience in the field.

Even owner occupied rates are not at that level right now.

The owner has 2 weeks before the home is auctioned off. 

He wants to act as property manager to not appear to be the owner to tenants, you knew this when you answered.

Who is typically responsible for obtaining building permits, the property owner or the general contractor?