You've already realized this is a fantastic resource as you get started. 

I did not realized that the HOA does not cover the water bill (which is what I was used to).

I do realize that a LLC inherently protects myself personally but am I opening myself up to this property by having it in my name?

I realize I’m a bit out of my depth here.

Im looking at comps in my area but realizing I may need to go elsewhere to do flips.

However, I have a question about utilities.I understand the basics of figuring out your utilities estimates (simply calling the provider and asking), however a realization popped into my mind and my question is this: if I'm having my tenants pay ALL utilities, do I need to factor utility expenses into my monthly costs?

I’m realizing that this apartment is probably a no-go.

@Sharon Steenbergen I have just always been weary of getting one I’ve seen a lot of people around me accumulate a lot of debt ,but I know it comes down to jus being responsible and only charging what I am able to pay off.The more I think about it and talk about it I realize my “fear” of credit cards is pretty irrational so I am going to go ahead and apply for one

This was more helpful than you realize.

And then I realized that I screwed myself (can I say that on here?).