The typical arrangement in Milwaukee is if you are offering laundry, putting in separate machines for each unit and each is plugged into the respective units gas/electricIf you only offer the hookups, not actual applicances, then you just make sure each tenant has the gas/electric accessible and once they buy something make sure they are hooking up to the right one.Having washer to one unit and dryer to the other is not equitable as you noted.

Hmm;  A landlord is forbidden to even ask about applicant/tenant medical issues, so the first problem is, How is the LL to even know of the conflict?

So they will pull the debts, credits, payments and income from sources other than the applicant himself. 

Glad to have you on here.Advice for this site...1) Set up keywords for your area and interests so that you're notified when they're used and then start interacting.2) Read through  The Ultimate Beginner's Guide3) Go through applicable blogs and forums as there are a lot of great resourcesAdvice for REI...1) Pick a strategy and study up on what you need to know/do for the 1st step and then do it, then repeat for all following steps until you have completed your first investment then repeat the process and keep learning.

Young applicant is an out-of-towner who's fresh out of firefighter school.

They also absorb many expenses that the tenants could take on, such as a few utilities, background checks for applications (they pay a lot for this a year), and damage out of deposits at year end.NOI under new management could near 70k with savings for 7% vacancies, 7% repairs, and 4% CapEx (due to many apts in just 2 buildings).I'm interested in trying to figure out how to schedule a payback period in excel, if anyone has number crunching experience with that for 1) the loan, and 2) the investors downpayment.

Most FHA lenders also offer Fannie Mae and Freddie Mac for multifamily applications.

How long did the process take from application to approval?

Some of the free options even have websites and digital applications included. 

Last house we did CL and signs and has 12 applications in 2 days.