However, if you wanted your tenants to pay those utilities as well, I think you have an easier option without going to the trouble and cost of sub metering. 

The property has three 2br units and the rents are as follows with tenants paying all utilities but water :Unit 1: 800Unit 2: 750Unit 3: 650(Unit 3 is mine and a room is rented out to a friend) I haven’t received my first water and electric bill for the house lights but those shouldn’t be too excessive.I want to start working on putting together a deal for another multifamily with 3-4 units in about a year.

The advantage of having an up-to-date RE accountant, is that they can help you strategize utilizing tax benefits, that a non-specialist may not even be aware of.

If you say utility bill - easy to photoshop.

I have $50,000.00 to invest and I found $70000.00 patio home. so I decided to buy with 20%down and get the traditional mortgage but quickly realized that I have to pay roughly $3500.00 load processing fee to get the either 15yr or 30yr loan. question #1 should I use HELOC(which processing fee is in 7 to 800ish) from my home to pay the rest 80% and try to pay off as fast as I can or just get the traditional loan and utilize the tax benefits?

I can't see anyone coming in, loving in, and saying "oh, but I think it's laminate up top, no thanks".. they will pick it based on location, amenities and price!     

You can then bill additional fees/utilities, etc as needed.

I have bought one already but I’d like to pick up the pace.

I am also interested in meeting anyone in the los angeles area for coffee so I can pick your brain.

Can we deduct our usage from their utility somehow?