Annual Gross rents: $63,600; Annual Expenses (insur, utils, repairs/maint, city fees, management fees, prop tax): $17,483; 20% down pmt: $140k, mortgage: $560k, estimated pmt: $3650 (includes taxes, insur);  Based on this, the NOI = $46,117 - total exp of $17,483 - debt svc of $43,800 makes for a DSCR of 1.05.

Rentals between the utilities and paying a property manager etc I saw where avg only 300-400 a month take home.

Fortunately, I have sold a property last week and utilization will soon be seen as 8%.

Also every forum post helps with getting the word out there for my book with BiggerPockets and podcasts with them, so that doesn't hurt either.Either way, even people who utilize BP for some of their lead gen will probably tell you it ends up starting out as work but becomes almost a hobby.

Split all utilities 5 ways.

Look for opportunities that utilize the technology you know. 

What is the best way to find foreclosure, tax lien, and short sale auctions ( full and accurate listings) as I figured it would be more affordable utilizing those listings?

I would also make certain someone not paying their taxes is paying their utilities, because that could also add up if they aren't.

HOA dues are around $315/month and that includes water and utilities. 

Yale locks - all the top enterprise lock companies utilize them.