The plan for 30% price cut is to allow for refi to leave 25% equity for conventional bank.I do have $50k in stock account I can use, but would rather not.

You don't want a year lease because people may move in and not get along with someone.How much you can charge depends on what you provide, your neighborhood, house amenities, neighborhood amenities, etc.

When financing a multi family rental (not to occupy) what are the advantages and disadvantages when using a conventional vs portfolio loan?

Not even too sure that they'd be willing to send out the different bills, feel like regardless of RUBS or Submeter, I'm going to need to be the one to charge for utilities.

etc..You can try to go conventional, to a community bank/portfolio lender, or to a non-bank lender for the above. 

The finance company she worked for was somewhat new at it, didn't have the safeguards in place and allowed managers in charge of these REO's to set prices and sell them, apparently believing the dire stories of investors resulting in low offers that were accepted.

Since those utility costs go up if there is a couple in the unit vs. a single person is there a way to charge accordingly? 

Will I have a lot of problems getting refinanced to a conventional loan?

Also I'm not sure yet what kind of closing costs and or fees this lender will charge for this deal yet.

Complaints/pain points airbnb drives a ton of traffic and is most of my business but they charge about 15% total of a booking.