This is somewhat common….they’ve had a free place to live and don’t want it to end.

I agree about the mini-splits, the ultimate yet priciest solution...Gas forced air furnace with a straight AC system is common all over the USA.

We think that the key to unlocking this house hacking puzzle is financing the project, without having to first sell our primary residence, or break the bank with monthly interest payments ... something like acquire, renovate/build, close.Thank you in advance for your patience and feedback on what is likely a very newb inquiry, and a situation that countless other boomers may be facing.Kind regards from NY,Steven P.Saratoga

Open to hear everyone’s opinion Ethics aside, what you need to understand is that how wholesaling is taught or commonly practiced these days is not actually wholesaling.

For utilities, while it will vary from property to property I think a common arrangement for small multifamily (2-4 units) which you'll see is that tenants pay for internet, gas, and electric, while the landlord covers the sewer/water/garbage/recycling bill, which is all lumped into one bill, at least for Mpls. $150-160/month is a good estimate for a duplex.

Your situation is fairly common, and I believe none of these potential repairs should kill your deal, nor do I advise backing out.

I advise against buying condos or anything with HOA fees, relying on the collective financial status to upkeep the property's common areas.Trust me.

This is incredibly common. 

This approach takes commonly available materials, just installed or constructed differently, to create a solution usable to all or as many people possible.

That being said, sale rates have fallen and price reductions are now more common on listings, I previously noted City plans in the area that could impact growth, and it's anyone's guess what happens to markets over the next year.