Just think about the split as complete ownership in the property and that simplifies everything with the disbursements and equity breakdown. 

We've decided this year to simplify things and just bill them $75/mo for water (Bill's roughly $150 every two months).

@Christina MahesseThere's an old concept in tax called "risk of loss".I'm assuming this SFH/vacation house won't be rented out to simplify the explanation...Generally you would have to examine who is on the title and who is named on the loan.If it's one person, then generally speaking that one person can claim interest/taxes, etc to the extent allowed by statute. 

If you have children, can strategies that 'skip' your spouse be used to further minimize taxes or simplify procedures?

I would also advise slowing down or simplifying things by defining realistic short term goals. 

Vetting is simplified and people generally pay in advance to Airbnb from which I get my rental rate of approximately $100.00 per night less Airbnb's cut. 

This will simplify the transactions, loans, refinancing and at umbrella insurance policies are some of the cheapest risk mitigation you can get. 

But this would simplify things, making the surcharge just for heat.Any thoughts on whether you actually need them on both the washer and dryer, or perhaps just the dryer would do?

It does not have bill pay but it is something that can help you get organized and simplify the daily tasks.Hope that helps!

My clients that do it are bigger developers with dozens of properties and do an LLC not only for asset protection, but to simplify underwriting.