If it goes over 15 minutes, she will text me and I will respond. 

This was north of Tampa in a small town on the gulf side but more than 30 minutes from a beach

Separate utilities, four kitchens, four bathrooms, four entrances.

I have never purchased a property utilizing a seller-financing strategy. 

So basically they are saying loud and clear they dont want any professional investors utilizing their HELOC only the accidental landlord or aspiring RE investor.None the less the product is stellar.

I suggest utilizing one of the referral networks out there.  

I’m trying to analyze a similar 23 park in eastern NC with all pods owned by tenants, utilities are paid by tenants and it’s on the city water & sewer line.

I have money saved up, 15k, that I am looking to use to purchase my first property and my credit score is ok at 670. one of my issues is my credit utilization due to credit cards I took out for my business that I maxed out and I also have student loans.now fast forward, I want to get into house flipping and later on buying and holding, probably 5-10 years from now. i have done a lot of research on loans I could utilize including the fha loan which seems to be the most attractive to me however I am aware that I would have to stay in the property for a year before I can do anything.

Any change from the last landlord to you (how to pay rent, when to pay rent, utility costs, etc...) usually end up as a conversation or attempted negotiation rather than the rules of the building. 

These include loan payments, taxes, insurance, utilities, lawn care, and any other costs that occur during the Rehab period up until the property is fully rented.