For the record, I know and respect David.I find nothing to disagree with in these statements, but the attorney conclusions do not support your suggestion that these types of agreement be utilized.

I'll get a room mate, and I'll be living for the cost of utilities and repairs!

The meter itself and the ring lock are owned by the utility. 

They're mainly over utilized and my available credit to usage ratio is like at 95%. once the revolving credit is paid off it should be ok!

I work full-time in Healthcare IT (Nashville, TN) and interact with a lot of people on a daily basis.

I'd do that now, there may be some surprises.Second, the heat looks way low unless the tenants have separated utilities and pay their own heat. 

When utilizing a VA loan, you can purchase MFH's but you need to live in one of them.  

Once you jump into multi-family, including duplexes, you're going to start running into more questions like who's paying what utilities, who is taking care of lawn or snow removal, etc.

Basically, the less interaction with the investments, the better.A Checkbook IRA LLC or Solo 401k will put you directly in control of the funds and eliminate the 3rd party layer.  

Welcome to bp Michael. go to your local Rei clubs you might find other investors there that have a house you might be looking for and also interact on forums so you make collagues in your area they might know who can help.Good luck in Rei.