We do some cosmetic improvements to bring homes to our standard, typically carpet and paint, upgrade lighting etc.

It’s possible but honestly, there is no benefit to doing a portfolio unless you have too, typically LTV’s are lower and rates are higher.Many pros to doing them separately rather than bundled.

Separately metered with tenants paying all utilities.

The lack of communication is typical in this business and a reason why we opened and have done well. 

What kind of property and neighborhoods do you typically go for?  

I would vote bookshelf, since in long term rentals, typically, you want the least amount of things you will need to fix, as possible.If short term rental, than Murphey bed would be my vote, typically.

Renters insurance typically covers the tenants' belongings. 

Example: https://www.nerdwallet.com/article/investing/real-estate-vs-...The problem is that these articles typically address averages.

"Cross selling" is _________________:a) When you go to your sales job wearing clothes more typically worn by the opposite gender.b) Just like it sounds: literally selling crucifixes. c) A strategy wherein a business strives to encourage existing customers to purchase adjacent products complementary to an item that the customer has already bought in a prior transaction, or is currently on the verge of purchasing.d) All of the above.

What are the average utility costs, and who typically pays them (tenant/owner)?