@Natalie Allen are utilities separate?

Looks like Airbnb hosts will get some relief under the coronavirus stimulus package about to pass Congress.The current language includes two provisions that could help short-term rental owners that are struggling:Hosts testing positive for Covid-19, or hosts with family members testing positive with the virus, would be eligible to apply for unemployment benefits.Hosts are also eligible to apply for small business loans to cover your mortgage and utility bills and possibly independent contractors like cleaners.This will be welcome news to a lot of our clients in Denver and Colorado Springs (as well as Erin and I, as we own an STR duplex in the Springs with some partners).

You can look to network with these types of lenders on BP as well. a good article explaining the function and utilities of each is: https://www.biggerpockets.com/blog/hard-money-private-money-difference>Search for foreclosures on the BP site under the "find deals" tab.

So if you collect last up front, it becomes a double security deposit, instead, which can be a problem in some states.On the other hand, there are charities set up to help people get that deposit and last month's rent if required, so you may be able to get it in your area.Edit to add, I ALWAYS require full security deposit and utilities in their name (more deposits they pay) for all S8 tenants.

If I’m going to rent it for $1200 can I charge the tenants a $288 fee for utilities ( to cover my HOA cost)?

Owning rentals involves volatility in cash flows, if the investors can’t figure out the best way to deal with COVID-19 while paying all their bills, then they don’t deserve to have rentals. 2 - There are options available to Investors: They can always put it on a credit card, which really already has a payment plan set up for them with their terms... an investor can quite literally just pay the minimum until they get back on their feet, not suggesting anyone just make the minimum on a CC but that is an option, just like it is an option to put food, utilities and anything else on a credit card, investments are no different. 3 - There are loans available to Investors: Applying for temporary or unsecured loans to make ends meet are available and even more so now - and before anyone says you won't qualify - there's only one person to blame for getting yourself overleveraged in some vanity fueled quest to reach x number of doors and yes... a CC is a type of loan when used - so if you have a CC... you can access to borrowed funds with a re-payment system. 4 - Why does an investor have to own their current rentals?

If i'm househacking, would I just cut my rental income and utilities in half?

That would at least get the utilities, cable, etc deposits for their new place...

Where are the NY bills stopping banks from repossessing cars and telling mobile phone and cable companies (monopoly) and utilities (public monopoly's) that they have to provide service for free?   

That we are still paying for even more utilities as our dwellings become 24/7 office spaces, childcare spaces and virus protection.