2) Utility - If I can't use it as intended, what good is it?

taxes, insurance, utilities, wages, maintenance, grounds keeping, snow removal, any other common areas, laundries, playground, club house.What are the current owner's income/  Tax returns would be nice to see. 

It looks like they're too high for the average person to reach and really utilize.

If you like the idea of wood flooring look into lock & fold or glue down wood.One of the newest items going in is LVP or luxury vinyl plank flooring.

Utilizing life insurance to "buy out" other side of family.

Another hurdle that I am running into is the lack of capital, raising a family in NYC is not cheap.Current Position and ExperienceI am an accountant who works for a major utility company in New York preparing Financial Statements that are filed with the SEC.  

My plan is to utilize $18k from my HELOC and just $7k cash.  

It prevents your tenants from house sitting, fostering or getting a new animal without your expressed permission.Utilities: My tenants pay for all utilities including landscaping.No Smoking: I do not allow smoking and charge a $500 fine in addition to any damages if smoking occurs in the house.Maintenance: I reserve the right to only pay for repairs that I authorize in writing.

In the end, military service members looking for housing will start with using BAH as a guide and then add or subtract with dual income or looking to save money for utilities/bills.  

You can do this with utilities, Internet, cable, etc...