I believe in the  power of knocking doors for advice...

Building relationships is powerful and can help you in a number of avenues, some outside of real estate.Granted, I can't speak for the other side.

Monkey POWER!!

Seems a better option is you hire a pest guy and bill her.

@Justin K. yes you can install sub meters and bill accordingly.

The other red flag was the water bill ?

I would get a conventional mortgage and put 5% down, You'll still have PMI as a monthly cost but when you reach 20% equity you can usually refi or appraise out of it (ask a loan officer). bottom line is at 22 years old you have the capital to live for free essentially and benefit from home ownership. you certainly have more buying power than $100-$200k as previously stated. $400,000 list price would be $20k down pmt and you could have your closing costs covered using seller concessions.

(This power comes with ONLY signing contracts when it is a killer deal).

@Darius KellarI would add:Always pay your bills on time and never ever be late- this will boost your credit score which is essential for loan qualifications.Live well within your means- drive a car used car that is paid off, live for free with your parents as long as you can, don't go out to the club and drop cash on food and drinks.Safe as much as your income, living situation and bills allow.Use this time to make a solid plan for your real estate investment journey. 

If your numbers work with this then more power to you.