Because you are utilizing a HM lender for funding does not guarantee you can close the deal, so it is not the same as an all cash offer even though they can close with the speed of one.

In he future your lease you should say tenant is responsible for all utilities, don’t specify any and then none can be forgotten.

If I am planning on selling within a few years, would it make sense to try to sell in a year where I have a lot of accelerated depreciation expense due to utilizing cost segregation studies?

For the new year, let's help each other avoid the potential pitfalls that can come with utilizing our benefits. 

Utilizing a co-signer is perfectly fine on an FHA loan. 

I’m assuming you’ve paid interest on the loan, property insurance, utilities in addition to repairs…

If you are looking at multi-family properties, get the last couple utility bills or an average of the utility bills.  

I didn't make them pay for any rent/utilities in Jan.

Upper/Lower ~ 1,000 sq fot per floor, plus basement storage/laundry and a large garage.moved into the lower Aug1.20% down, on effectively $125K... appraised then for $140K, more now (appreciation plus repairs)Bank gets* $728/mo  Upper tenant pays $755 (still well below market) ( insurance of ~ $59/mo and water $25/mo not escrowed)* i was paying $1000/mo all-in at my 1br ~ 550 sq foot apartment  rent/garage rent/insurance/utilities etc..**2**While i was under escrow on #1 my father had passed away.

Utilized a VA Loan to finance.