Talk to Phila Water Dept directly about this issue.If you purchased it recently and randomly got a bill for that amount, it is likely the title company had an estimated reading and not an actual reading of the water meter.

Guess where the weeds grew?

Lenders only get paid when the loan closes, so it doesn't make sense for a lender to allow their Loan Officers to do loans for less than $100,000 as both the lender and the loan officer will make virtually nothing, yet the loan will take the same time and effort, (Actually more time and effort as there are fewer lending partners) as a loan that is $100,000.00 or more.

I like the concept of a 1 year lease, but I anticipate the buildout for a dentist office to be fairly costly (maybe $350K+ if I had to guess based on my other experiences) unless the space is already built out as a dentist and they are backfilling?  

I see your project more desirable to those who actually want a change of lifestyle.

Learning from youtube means learning from people that most likely do it wrong.See why does NO "expert show their actual results?

All I end up finding is a bunch of get rich quick ads and platforms, 'gurus' who just want a earn a quick buck promoting videos and e-books filled with a bunch of positive affirmations and testimonials and never showcase how the process of tax lien and deeds actually work, webinars that are not informative and avoid the actual process of acquiring a tax lien or deed, and so forth.

There is a big difference between initial cash flow and actual cash flow over a long hold.  

Until you are ready to actually do a deal with a CRE lender, I would recommend watching YouTube videos about the CRE lending process. 

What is the actual way to do it in a nice neighborhood?