Saturday, he told me if i wanted to do all the hot water new to go get material and he'd charge me 900.

I know in NY there are certain rules utility companies must follow, there could be similar rules by you.

Utilities will matter also. 

Neither student loans nor utility bills will kill your credit score. 

Example:$100,000 ARV x 70% = $70,000 All-in- $20,000 Rehab - $5,000 Closing (Acquisition Closing, HML Points, Refinance Fees)- $5,000 Holding = $40,000 MAO Holding costs include (but not limited to) loan payments, insurance, taxes, utilities, HOA fees, etc., that occurs during the Rehab period and up until the property is fully rented.I get a lot of “NO’s”.  

Following are the similarities and differences between the solo 401k and the self-directed IRA.The Self-Directed IRA and Solo 401k SimilaritiesBoth were created by congress for individuals to save for retirement;Both may be invested in alternative investments such as real estate, precious metals tax liens, promissory notes, private company shares, and stocks and mutual funds, to name a few;Both allow for Roth contributions;Both are subject to prohibited transaction rules;Both are subject to federal taxes at time of distribution;Both allow for checkbook control for placing alternative investments;Both may be invested in annuities;Both are protected from creditors;Both allow for nondeductible contributions; andBoth are prohibited from investing in assets listed under I.R.C. 408(m)The Self-Directed IRA and Solo 401k DifferencesIn order to open a solo 401k, self-employment, whether on a part-time or full-time basis, is required;To open a self-directed IRA, self-employment income is not required;In order to gain IRA checkbook control over the self-directed IRA funds, a limited liability company  (IRA LLC) must be utilized.

Do you pay any of the utilities?

Their names are on all of the utilities now, been almost a year.Would they be able to claim it as a primary residence because they have actually family in it?

So you guys are saying I can just forget 90%+ of the course material after I take the license exam and I can still be a top-notch/producing real estate agent since I don't need 90% of the material to serve my clients? 

I then have to add the materials to get a good estimate of the job.