As of now, it appears with all the uncertainty and chaos that corona has brought, banks are a bit hesitant about lending doing 5% down conventional loans, which was our original plan.That being said, FHA very well might be our best bet.

book keeping, computers, office supplies, internet services, etc?

I bet they can get a month or two free if you find the right deal. 

I am totally guessing, but I bet that there are not separate utilities for each apartment so the landlord would be paying for all the electrical, water and heating costs. 

Thank you.With a low down payment and no experience, your best bet would likely be to house hack. 

And with credit freezing and rates going up a bunch.. you can bet the folks that dont know what they dont know are going to be falling for these scams left and right..

I think your best bet is to do your own research. 

@Jeremy Wirths i have a gf who pays rent and covers few other expenses like internet and food.

You aren't my client, but if you were then I'd invite you to double down on that bet, it sounds like there's a strong case for you being right.

. $1,400 for a 3bed/2bath gets bumped to $1,750, then I add in the cost of utilities, TV, internet, and landscaping.