In addition to submitting your documentation I'd get a plumber to state in writing that the windows being left open is what caused the pipes to freeze.

Cash-flow is for "keeping the lights on" as in covering operational expenses to defend against any need for additional capital investment. 

If the water bill is $100 a month, increase the price by 20% (or whatever you decide is fair) to compensate you for the time required to split and bill and to cover additional use when tenants squander the utility.

I currently don’t have the financial ability to invest additional funds into it.

A little background about me, I have just over 200 doors in my current portfolio and our company manages just over 250 doors for third party investors in addition to those. 

So you just need to look at that additional $2000 - $3000 of interest each year as really being 1000 - $2000 of total new expense to your after the tax deduction.3.  

In addition, I presented his was not the usual use case because he was unleveraged.  

I wouldn't suggest you buy a single-family home to live in because the additional cost outweighs the benefits.

Please keep pushing and sharing your progress. we are enjoying seeing your success in addition to learning how to pursue and analyze deals in different market sectors before blindly buying and learning the hard way.

As JD said, the tenant must list the landlord as "additional interest" on the policy.