Would I go to the current owners bank to see if they would allow a subject to loan? 

VA loans are the only loans that allow this, and there is no rate penalty for it no longer being your primary home.With that in mind, you could do a cash out refinance today at a higher rate than current market rates which will create profit on the loan, we can take that profit to pay for your closing costs.

@Blair Ross JrElectric/Gas: Contact the utility provider to see if separate meters are allowed for your property.

If a cash out refinance, many lenders will allow the cash out to satisfy the reserves requirement.DSCR lenders generally let you vest either individually or as an LLC.

This will allow you to remove the person and do the financing on your own.Home Equity Loan/Line of Credit: Since you're looking to access equity, a home equity loan or line of credit (HELOC) can be a good option.

This allows servicing $1.9 M at $7305.

The insurance company will send you copy of the tenant declaration page proving coverage, and they will notify you if the tenant ever cancels the policy or allows it to lapse.HOW TO SHARE UTILITIES 101You have a property with two or more units and the utility meters are shared.

We don't allow links to your personal page or any other form of advertising yourself or your business.

I can at least find out the rules that go by or what they allow. 

Quote from @Laura Kreinbring: This tenant I allowed to start a lease with last June is someone I want to give a notice to.