We took a 5 unit building that had one electric meter and one 40 gal water heater and separated them individually and had the tenants pay for their own utilities.

As an investor and agent in the area, I work with some investors who utilize lenders that only look at the asset and your credit score (but not your DTI), while others choose to purchase as a second home loan. 

Essentially all they need to come up with is one month's rent, which is typically the upcoming month anyway, and they walk away clean - no lawn care, no utilities, nothing - and we assume the risk if the property takes longer than 1+ month to rent.

Then we got a HELOC; because the interior was not complete, we used a bank that utilized desktop underwriting. 

@Kamron Lewis I know the initial cost would be kind of expensive to separate them but you could also then have them both pay their own heat too if the utilities were separated.

I would push you to think about what is possible, and how you can utilize the time that you are given to really scale to your fullest potential.

The utilities will be done on the property in two weeks then drywalled shortly after, so the current condition of the property really limits my options.

With  long term tenant I don't have the extra costs of full furnish and I don't have to supply the utilities, cable and internet.

While @Grant Thompson is certainly correct in saying that there are tons of free resources and meetups available, and that should absolutely be utilized, how long will it take you to meet the right people or absorb the knowledge needed to succeed in multifamily?

I'd also negotiate a reasonable rent increase to compensate for additional wear and tear/ utility usage from having an extra person.She sounds like a great tenant for asking permission.