Look into the cost of sub-metering if the utilities aren't already directly paid by Tenants.

The only catch is the HOA is $260 a month plus $65 hazard insurance plus $200 cap for utilities water and lights, internet comes in HOA dues.

I will give them the last 30 days rent free and the rent covers all the expenses and utilities. 

Also, can you pass utilities to tenants?

This would be a ROI of 28% utilizing financing.

Buy or inherit and hold all their lives while working the properties for income.I've seen teachers, firemen, software engineers and all sorts of people utilize both strategies successfully. 

We just differ in how much we need to sustain our lifestyle.

The key with land is zoning, utilities and access.

My goal is to utilize real estate investing for passive income streams and to begin working for myself as opposed to others, while providing a high quality of life for myself and future family.I am currently interested in networking, and finding both single family & multifamily buy/hold, & fix/flip opportunities throughout Arizona.

Keep your card utilization under 30 percent.