@Mike BianchiIt won’t let me put the chart up so I’ll try to word it out Rough estimates Purchase 1,300,000Down payment 30% Mortgage $5,838 Income Lot rent - 23 units X $400 = 9,2002bed 2 bath 18 units X $375 = $6,7503bed 2 bath 5 units X $450 = $2,250Vacancy 12% = $2,184 Expenses Insurance $670 Utilities $ 1,121Administration $ 170Managment 10% = $1,602Repairs 13% = $2,100 , $1,000 per unit per year Reserves $500 Taxes $565Other $860 Cash flow - roughly $2,700 Trash is part of the taxes County water Private Septic

Minor issues with utility plats and delays due to COVID-19.

Short-term rental would need to cover additional items such as utilities, yard and snow, netflix/hulu, etc.

Well, of the three parties involved in this story....you (the CURRENT owner), YOUR tenants, and the FORMER owner, I can tell you who I think has the LEAST legal/ethical responsibility to pay this utility bill.

Last time I looked into utilizing the program it didnt make sense from a numbers POV. 

Here is a little rundownRental 1 2-1 bathPurchase price: 72,000.00 approximate value now 155,000.00Down Payment: 14,000.00 (20%)Interest Rate: 4.25% 30y/ fixedCurrent balance: 52,500.00Current Tax: 2,300.00/yearInsurance: 511.00/yearFlood Insurance 750.00/yearUtilities: 40.00/month all other utilities paid by renterCurrent Mortgage w/escrow: 542.00/month 6,504.00/yearRental Income: 1,200.00/month 14,400.00/yearProfit 814.00/month 9,768.00/yearNotes: This house requires Flood insurance.

It doesn't make sense to me that we all live in isolated dwellings and pay an arm and leg for separate utilities, not enough room to grow and share crops and rooms we mostly use to hibernate in.

Other than snow and lawn care, any other landlord expenses, like utilities?

I'd add info on garbage pick up and recycling, if you have a community mailbox, where it is and how to get a key and any info they might need for utilities.

If/when you choose to utilize the VA loan, that significantly changes ROI versus a normal buyer putting 5-20% as a down payment.