Payment history on your utility bills, cell phone, and other types of bills can be used to establish credit. 

The owner lives on site, has owned for 15 years, and pays ALL tenant utilities (not common in Indianapolis).

She makes enough from social security to cover rent and the utilities, but not enough to cover three 3 times the rent.

You may find that it's simply not worth the cost of the repairs or that the potential rent from it will not be worth utilizing it as such.3. 

With a Vrbo you can also write off the utilities.

They have a network in place already you can utilize.

I also currently work full-time in property management and have experience working with tenants and building financial models.I plan to utilize the BiggerPockets platform to share all the experience and book knowledge I have in hopes that it will provide value to someone who is in the same or different point in their career. 

Meanwhile, the utilities would all be together and you can't have a stove in the basement (which makes it a legal dwelling). 

My cousin has a $75k/year job with excellent credit (he’s been working there for 4 years) How do I structure using his income and credit for a loan to buy a rental? I’m putting down the 20% down payment and any other ...

Expecting about 20,000 sqft of construction (units and common areas).Related info:Type:Garden-style2-levels with mix of 2 Bed/2Bath and 1 Bed/1Bath unitsMid-grade constructionSite info:Flat land, no major grading work is neededUtilities are yet to be connected (the site is in a developed neighborhood with good road access and utilities at curb side)Expansive soil (known for this region)Thanks!