OPEX: Do you always utilities are paid by tenants for a property you are analyzing?

Even my master commercial policy is not this cheapMissing utilities?

Sure, you could argue that you'd be collecting rent from your tenants, but good luck finding a multi that has enough positive cash flow to cover the entire mortgage, taxes, insurance, vacancy, maintenance, capex and your living expenses, food, gas, utilities, etc.

BTW, he has not paid a dime in rent or paid any utilities so he is not considered a Tenant.

In fact there is an entire industry of attorneys who just handle tenant security deposit type lawsuits. 

Alternatively, you can just have a flat "utility" charge on their lease - that's what I do in these situations.Hope this helps!

If no one else in the area is doing it, then you probably can't either, because tenants will just move somewhere else that doesn't charge for those utilities. 

If you locate an investment and don't have the full amount needed to purchase it, then you may consider a non-recourse lending company or utilizing private money. 

These events are held once a month to every other month in South Jersey and will have a wide range of professionals in different industries.

"M" is common vernacular in the financial industry for "Thousands".