A separate meter is a better way to go but this way has been working for me and it's $300 vs thousands to achieve the same result and the tenants have been good with it.

These markets strike a balance between affordability and the potential for cash flow and growth.

But the capita is high in this location though, how to balance this?

You've got to identify the resources you need to achieve the goal before you can determine the platform offering those resources.  

The lease says in this situation the tenant owes the total balance of the remaining term.

Either people need to start earning more money (we can debate this since it looks like we are already in a recession here), interest rates need to decline (looks like the Fed is about to start doing this) or prices need to decline which has already started to happen.My vote is on lower interest rates and price declines until the market finds its balance and you see transactions start to increase.

My guidance is always to first determine your exit strategy and then reverse engineer into the resources you need, and the platform that provides them, in order to achieve your goal. 

By taking calculated risks and implementing the right strategy, one can achieve success in real estate.Good luck!

I wanted to post this as I see many people do all the DD in the world and sometimes too much DD (I love it when the BPO comes back at $140k not $180k but loan balance is $50k and they want to fade/walk away) - but they miss the most important component which is this loan sale agreement.

While the DSCR calculation as noted above is a bit "aggressive" and looser by not taking into account many expenses, its somewhat balanced in that these are 30-year typically fixed rate loans where the rents should increase much more over the term than expenses (and largest typical cost - debt service - is locked in).