Quote from @Lucy Ahl: I've noticed several years back some negative reviews for Insula Capital.

You'll want to ask about their experience, read reviews, understand their availability, pricing, insurance / bonding, and how they safeguard their funds. 

I reviewed about a dozen options.

My first investment property happens to be my first home purchase, so my questions are hopefully basic for anyone experienced here.

Next StepsContact 311 or the Chicago Department of Water Management to request a meter recheck or usage audit.If the new bills seem drastically off, request a review for billing errors or adjustments.Consider installing low-flow fixtures or monitoring usage with a smart meter device to ensure there’s no hidden waste.It’s frustrating, but you’re not alone in this!

If they want an MLS offer, they are free to make the repairs and list the property.So, the SubTo part, I am very, very experienced.

Quote from @Dana Hagans: Hey BP community, I’m looking into a potential flip in New York, and would love some insight from experienced investors.

There are companies out there who will review a file for you (for a fee) and be able to tell you what was changed on the document? 

Once submitted they said it was under review.

This is exactly why I joined BiggerPockets to learn and be educated by experienced Real Estate Investors like yourself Jay Hinrichs.