I know very little about section 8 housing, other than the gov't pays some or all of the rent. 

@Jayson Greenblatt  on SFH usually tenants are paying most or all utilities. on APT water sewer, & trash is usually included in the rent.

So it’s not clearly stated in the lease the specific areas of the house that are rented to me, but orally we agreed that the back half of the house; bedroom, bathroom, hallway and den room with sliding glass door were mine and the kitchen and laundry would be shared between me and the landlord.

Or all in and then the value if you are flipping it. 

Are you doing this in specific markets or all over?

I find that people who are not trying to replace their cash flow (W2), but are rather looking to subsidize it or all out just increase wealth, can see the forest through the trees a bit easier.

If any or all of those are near needing replacement then that will drastically change your numbers. 

Evict on the terms of your existing month to month oral lease. 

So, either the borrower has to pay closing costs out of pocket, or the lender has to price the loan in such a way to cover most or all closing costs.

The product you're talking about MIke would most likely be an AIO or all in one loan.