If you have a good rate then enjoy your low interest debt and utilize your money in a better investment.Forrest Faulconer 

- Rent for a 2 bedroom in Rocklin is around $2400 per month + utilities. - How much do property managers charge?

These can include -Additional savings or reserves that you, or you co-borrower may have-Proof of payments done on time for utilities and/or rent-A letter explaining how the applicant would be able to make mortgage paymentsFor reference on how to calculate your DTI, check previous posts!

Get with your lawyer, but maybe you could utilize special option period clauses & simultaneous closes to only sell your property if you found a suitable replacement?

Utilizing any/all of this information! 

Utilize FHA loan for first time home buyer which requires you to put only 3.5% as down-payment plus closing cost meaning with your share of 10 k you can buy a property worth under 150 k all by yourself( 5,250 down-payment + 3750 approx towards closing cost ) idle approach is to buy it only on  your name for house hacking and to involve partner for other investmentopportunity... hope this helps..

How does that compare with your estimated loan payment, property taxes, insurance, utilities, etc. 

Is there a way to figure out if I pay the utilities, or the tenant does?

My wife and I live for free already (just pay utilities).

Delinquent tenants aware of that so by not cooperating, not letting official lead paint tester to enter, they can easily fail the landlord to have rental license and that delinquent behavior now will work in their favor:With no rental license they block the landlord effort of eviction when they are not paying rent and utilities or not leave when lease ends.Also the gas bills will be fallen on the landlord instead tenants should pay their use with landlords have LCP (landlord cooperation program) protection with PGW.Does anyone have solution for this and who is willing to join the effort to fight the city that actually encourages that criminal behavior?