They hooked it up to the house panel of my center and reimburse the utility costs which is sort of a pain in the butt. 

Utilize the cash for buying power when DEALS start showing up. 

Any advice on different financing options I could utilize to get around this roadblock?

My wife's car payment is $342 per month, (We owe around $15k still) we have a personal loan we used to consolidate our other debts that costs $768 per month, we also have $203 for phone, $134 for insurance, $200 for utilities, $50 for misc subs (Netflix, Disney Plus, Car Wash etc.) and internet at $88.

@Kevin Chan I am in the process of learning more about different REI strategies and I haven't become set on just one yet, but I'm becoming more interested in the idea of utilizing an FHA loan to get started with a duplex or triplex!

I could get these things fixed up to livable condition and the plan would be to rent them out at 700, 300 dollar lot rent included tenant paying utilities.

Some people know just how to appeal to one's emotions and you need to utilize what little you can "know" about someone vs what they "told" you.I don't think many would argue with the fact that placing a good tenant is the key to profitability or loss in this business.

I’ve thought about utilizing a hard money loan or possibly a personal bank loan to reach the required 20%.

Value add renovating units, curb appeal, washer dryers etc.Also focus on lowering expenses and utilities and no major capx renovations.Execute analyzation Of owner financials T12,T2T3, Rent rolls, taxes, expenses, vendors Perform due diligence and title investigation.I’m putting together a booklet presentation with market analyst and Investment Property Example to show potential investors So much to write but I’m learning.Back to the books, blogs, podcasts, YouTube videos absorbing it all like sponge.Best of luck to all ✌🏽 in 2020 & years to come!

This was my first time utilizing the calculator.