As others have said, their are "conditions of habitability" that must be present for a non-rehab type owner occupied loan. 

Stephen Covey, famed author of "Seven Habits of Highly Effective People," claimed an important habit in achieving success was to "Begin With the End In Mind."

-"One of the most common causes of failure is the habit of quitting when one is overtaken by temporary defeat."

Maybe they're just really good at hiding their secret meth habits?  

Does anyone know what the legally required habitability standards are for Florida/Hillsborough county?

The mind is a powerful thing; I love connecting with people who understand how vital it is to know this.

Bad habits die hard.  

Also living in the Bay Area, there's a lot of million dollar homes so I made it a habit to ask myself how can I add tremendous value on what I do so my income stream allows me to buy it comfortably (20-25% of my income).We just have to keep hustling to reach our goals, listen and learn to BP Podcast and take massive action.

The reason I'd had the utilities is that I'd spent the day prior analyzing multi-families where the utilities were the owner responsibility, and plugged it in out of habit.

The property was heavily distressed; I mean not even habitable.