Commenting to follow this journey, please keep your progress posted here. 

Even though the utilities are in the tenant’s name, I am worry it may affect my in-progress electric panel upgrade to 200A (ie new meters), solar panel system, and the next tenants’ ability to open a utility account.

I’m not a huge fan of amending but when done properly you won’t have to wait two years for your income to catch up to your investing goals.The key is working with the mortgage provider BEFORE filing any of your returns, amended or otherwise.My team and I review the tax returns and run the income calcs before you file the amended return to make sure that you are not overpaying on income taxes and more importantly, we make sure that you are not filing an amended return with too little income.FYI - most accountants will fight with you and tell you that their preparation will save you money on taxes and allow you to still be approved for a mortgage, but 99% of the time that is false.I prove them wrong on a very regular basis.So, to summarize, you need a progressive mortgage provider and a progressive accountant to make this work now and in the future for you.  

Presently I'm paying about $750 for eacf Single Family dwellinng with a Million of liablilty coverage.Safeco, State farm, Progressive, are all about the same, I don't like any of them but that's what I use or have used. 

Deal in progress.

We help our investors to live financially free through progressively passive real estate investments.

Make progress everyday in small ways, make 10 posts a day here and reach out to 10 investors in your market on facebook a day.

Earlier in the year, there was decent duplex inventory in the more affordable areas but as time has progressed there has been significantly less of them and they're going for more and more.

Congrats on getting started and hope things have progressed well. 

Best of luck and hope things have progressed well.