If the water bill is $100 a month, increase the price by 20% (or whatever you decide is fair) to compensate you for the time required to split and bill and to cover additional use when tenants squander the utility.

Any additional will be refunded a few weeks after the auction. 

Additionally, high-income earners with modified adjusted gross income (MAGI) over $250,000 (married filing jointly) may be subject to the 3.8% Net Investment Income Tax (NIIT).For 2025, bonus depreciation is at 40%, so consider leveraging it for eligible property assets like appliances or fixtures to accelerate deductions.

There are cheaper one’s in D/F areas but I would be careful as those can create a laundry list of additional issues.

We're based in Tampa and, in addition to personally investing, I own a mortgage company that provides financing for tons of investors.

I do direct booking through the Houfy website, taking credit card payment by Square. 

Credit is in order and I have a steady income.

Additionally, listing brokers represent what seller's provide them. 

Credit cards have the same limitation on the amount you can borrow and will likely end up costing more than private lenders.

Real estate has so many tax benefits and credits available, that I always tell people it's crucial to have a CPA that's extremely knowledgeable in this area.