if the owner is paying the utilities , go count the meters and verfy that the buildings are legal 9 families, there should also a public landing meter for each building for the hallways and out door lighting . i dont know what state your in but also make sure the tenants aren't on some sort of programs where the landlord is required pay the utilities to have the tenants .

@Blair Poelman Thats what I looked into, they tried sending me a sample and I needed a special program to even look at the sample so i wanted to see what other local investors were doing!

@Matt Shields, right now 6700 new units are being built in South Baltimore alone, crime is down this year, and the only reason why Baltimore is losing people is because the biggest voucher program in Baltimore called MBQ is forcing all new voucher holders to rent in opportunity areas, ie towns outside the city in Baltimore County areas with low crime, low unemployment, ie really nice areas where houses sell for 300K. 

You are doing what most on this forum want to be doing and it appears by your correspondence that you have your ducks in a row and have planned for most of the problems you will face in the near future. 

It appears you are currently using the older version of our software.

I suggest you focus on your Step 1 so you'll get matched into a good residency program and then you can pay down your 400k debt :]

There is less competition in the dirt and there are programs to abate demolition and nuisance liens in Duval County.

There are programs that utilize the operating statements and rent rolls instead of Schedule E's.

I am a private lender I don't put my name out on any list.. and I work with a bunch of private lenders not a one of them would put their name on a list and talk to random people.. if the list is real its just HML  who now call them selves private lenders for the simple appearance that beginners think they are going to get cheaper money.. 

Even though the co-signer shares responsibility for the payments, his name does not appear on the deed.https://budgeting.thenest.com/mortgage-borrowers-t...