The houses are sold with no electricity or water and I can’t hook up utilities prior to buying.

She has little income, so I would essentially be paying the entire mortgage, insurance, taxes, etc... while she helps with utilities.

@Zack MattinBonus Tip: Don't be afraid to pick up the phone and call the alumni or ask people within your current network for introductions to people within your target firms.

If it's not at the lien stage than title may not pick it up. 

Buy your personal residence with 3.5% down then utilize your other 9 25% down mortgages on 1-4 unit properties.

If you can pick up a SFR cheap it could be a real winner.

Tenants will be paying there own utilities).

So here is the scenario....Utility bill comes to my address (these specific utilities are in my name), I pay for them so that they are on time with no late fee.

One other thing to keep in mind after you purchase...if you are looking to refinance the property to stabilize the rate/terms, you will need a 2-yr history of being a landlord to utilize the rental income to qualify for your new loan.

These are people marketing themselves heavily, working full time (and then some) to pick up new business.