You could find some C/D class apartments that look well run.

When wholesaling a house you can be direct with the seller - unless for finding some owner financed notes (which probably were not 3rd party serviced) the sellers are companies and note investors who have been around know the players

We operate in southern Ohio and there is no concrete definition or list as to whether A/B/C/D class.

The answer is you MUST have a plan B, C, D when you get into a deal. 

If you're lucky, there are already separate breakers boxes and no overlaps.Do a search to learn about sub-metering, that may cost less and get you to direct billing a lot faster.If you want separate services (not sub meters) - then, in many cases, going from units A&B on meter 1 and units C&D on meter 2, to (assuming you are in unit B) unit B on meter 1 and units A-C-D on meter 2 isn't any more of a hassle than doing it so unit A is by itself on meter 1 and B-C-D are on meter 2. 

@John Stapleton - I don't know about recently, but TCF Bank has been one of the major players in the HELOC space.

That may be true for savvy real estate investors, but when first starting out, trying to secure funds from "real investors" can be a little intimidating and difficult.My approach works great for newbie real estate investors when talking to "regular folks" who have money sitting around in CD’s, IRA’s and savings accounts earning them a small ROI.

In the final analysis most of the folks getting LLCs don't need them, they have them either because they have been misled into thinking that they do need them (often by others who are ignorant and have been similarly misled), or they rather foolishly  see them as glamorous vanity accoutrements that will make others think that they are a real "player" in this game.

I could maybe luck out and get good tenants (as I mentioned the location is on the 'line' between C and maybe C-/D++) but if not they'd be the type to trash it and/or stuff it to the brim with people and I'd want to be close to keep an eye out. 

RealtyShares was one option that I found interesting but they basically tell you that they are a crowd funding site for middle market institutional players.