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.

If you are looking to utilize that money and purchase a multifamily then now is the perfect time.

When I tried to push back the utility company said to prove it was a misreading, pay the balance or water would be shut offContractors/tenants - when I purchased the place it was occupied and then covid hit.

When you are finding your monthly net cash flow, are property management, maintenance, utilities, capex, etc percentages of gross rent, or percentages of your gross cash flow (net rent - PITI)?

So 34K down, 10K in renovation, 10K for 5 months of mortgage/utilities and another 6K for closing costs?