They listed me as Certificate Holder. 

Also, if you list the property at the higher rate because you’re including SOME of the electric utilities (because you won’t be able to eliminate 100% of the bill.) you’re going to lose potential tenants that are filtering by rent and/or see similar properties for less, causing longer vacancies.

I found a multi-family listing that says the seller is offering a partial seller carryback.

Feel free to list the property details (as-is value, PDTI, credit score approximation, city) and I'll give you an idea if the parameters look realistic relative to our standards!

I have a list of questions I ask the cleaners and once I find at 2-3 that I'm comfortable working with I add them to my team.

I suggest working with a Direct Lender that covers multiple states and offers the following support: DSCR Programs | PreApproval Certificate Letter to let you shop with an approval letter in hand and Prequalification support for Properties in advance. 

There is a 4 year waiting list in the county where the home is located.

Both options seemed to have listings in similar price ranges (250-400k range).Maybe there isn't a right or wrong here.

But if you are looking for an active foreclosure list.

Expired Listings,  FSBO,  Preforeclosures?