If not, the cost of utilities you'd need to pay should be factored into your assumptions (it'd be surprising, for example, if heat and hot water were separate for all units).

The same numbers rules apply, but some additional things to look for:Metering (same meters or separate), if separate allows you to easily split utility bills among tenants.Sewage systems connected or separate (helps with plumbing repairs and whatnot).Rental rates and if they reside on a street with mostly rentals or by themselves.

The program will allow the client time to build your credit rating and save for the down payment.Under the program, the clinet would:1) Look for a home that the client wants.2) Client and I would work together and I buy the home at the price client wants to pay. 3) Client provide at least a 5% deposit that will be used towards the future down payment. 4) Client would also be responsible for other costs that a homeowner would: legal feesappraisalinspectionland transfer taxproperty taxinsuranceall maintenance and repairsutilities5) Sign a lease agreement - to determine base lease cost per month multiply purchase price times 0.0062 - example $150,000 x 0.008 = $1,200/month which does not include utilities, tax and insurance.6) Sign an agreement of purchase and sale dated three years out.

But a 620 score means you regularly miss payments, have consistent high DTI and high utilization.

Are the utilities separate and what do you get for rent?

When you go to apply in 6 months, they'll see you have maxed out your debt to credit line utilization of a whopping 60k, which will cause your credit score to take a hit and possibly jeapordize whether they approve you for a refi or not, or affect your interest rate they offer you at the very least.

Environmental Protection Agency estimates that toilets consume 27 percent of indoor water usage.Property managers and landlords sink 25 to 35 percent of their operating costs into utilities, while water costs, in particular, are up an estimated 200 percent in the past 15 years.Meanwhile, small, barely noticeable leaks may add $900 to yearly water statements, with larger leaks totaling, in some cases, $4,000.

Going to utilize the BRRR strategy.

While the argument is based solely on the potential environmental advantages, utility costs will be dramatically higher at the current electricity vs. natural gas rates in Ontario (at least in London). 

Just because it was the 1st mortgage doesn't mean that ALL other liens are wiped, certain liens cannot be foreclosed out including COA liens and municipal liens (special assessment, lot clearing, securing, utilities, etc)718.116 Assessments; liability; lien and priority; interest; collection.— (1)(a) A unit owner, regardless of how his or her title has been acquired, including by purchase at a foreclosure sale or by deed in lieu of foreclosure, is liable for all assessments which come due while he or she is the unit owner.