If you are paying the utilities for the tenants, that is one reason....~$800/mo for taxes is high...any chance that's an annual number input as a monthly number?

With ARV at 135,000 at a maximum loan of 70%, you can borrow up to 101,250 which means, in this scenario, you could get the 85% of acquisition and 100% of rehab, i.e. total loan amount of 83,750 with an initial release at close of escrow at 63,750 which is 85% of acquisition, and, the rehab holdback of 20,000.15% of the 75,000 acquisition down is 11,250 and closing costs are likely ~3,000 so you initially need ~15,000 to closeAfter close, a prudent hard money lender will require reimbursement style draws which means you must first complete at least phase one of improvement/rehab to the property before drawing down on the rehab hold of 20,000.With only ~5,000 left over after close, you don't have much room for soft costs like utilities, nor much room to get the rehab started, nor much room for the monthly debt.

Utilizing realtor connections can be helpful.

I was able to utilize a VA loan with some first time home buyer program and NO money down so I ended up rolling around $100k profit into my next property after two years with literally ZERO dollars spent.

I was able to utilize a VA loan with some first time home buyer program and NO money down so I ended up rolling around $100k profit into my next property after two years with literally ZERO dollars spent.

Or even with a PM is it my responsibility to reach out to the utilities company and get that put in my own name?

Mngmt: 76/month (9%)Utilities: I'll have tenants pay all utilitesTotal Expenses: 834Estimated monthly cash flow: 15 dollarsDid I run my numbers correctly?

@Boris PortnovI was thinking about utilizing a FHA loan for my first investment purchase, but the problem is I wouldn't be house hacking, so with me not living at there, I'd have to use conventional lending. 

If you can separate it out then you can usually either let them setup their own account with the utility (best option) or submeter them, but in most states you cannot charge any more than you spent.

Should I check for unpaid taxes or unpaid utility bills?