Thank you all so much for your replies! Very helpful! Interesting point on the infrared camera and great points on low flow water spouts and SEER rating on power units. The reason I pay the utilities is because the home was originally a SFH, was morphed into a duplex by converting the basement (I bought it like this). Unfortunately, there's only one meter and separating all that out would be very time/cost intensive and invite city inspectors to an old house, didn't want to open up that can of worms but I learned there might be ways around it from this guy below.
For anyone interested... I did find an energy consultant who was super helpful and knowledgeable! We talked for an hour and he imparted tons of knowledge, good guy too. His name is Will Castrillon of Su Casa Energy consulting. He does energy audits, energy monitoring, reviews your bills and looks for ways to optimize costs. For the ordeal with my single meter, he talked me through it and showed some ways I can possibly get around it, I may consider them next year when I have more time. Anyways, here's his site: https://www.sucasaenergyconsulting.com
