With the hair salon and the large family, it seems only fair that they would pay a larger percentage of the water bill based on assumed consumption versus the single person living in the efficiency... ie, have the salon pay 25% of the bill, 3BR 20%, other commercial 25%, and each efficiency 10%?

He says bad to give out alcohol to drivers though..

We still offer our student tenants the convenience of having a single payee for rent and utilities, but use a separate utilities agreement whereby the tenants prepay an amount into a Utilities Budget each month and are given copies of all utility bills so they can monitor their consumption.  

If the panel has the breakers labeled, you might be able to turn it off and curb the power consumption right away.

The term “transient accommodation uses” includes but is not limited to hotels, motels, recreationalvehicle parks, tourist lodging facilities, resort condominiums, resort dwellings, vacation resorts, and dwelling units occupied or available foroccupancy on an interval ownership or “time share” basis, when any of the above are made available for occupancy more than three times in anyconsecutive 365‐day period and the right of occupancy is for a term less than monthly.The term “transient accommodation uses” does not include any of the following uses if such use otherwise complies with the applicablerequirements of the City and is licensed by the State of Florida, if such licensing is required by law: bed and breakfast homes, community residentialhomes, nursing homes, rehabilitation facilities for persons with drug, alcohol, or physical impairments, respite care facilities for persons withterminal illnesses and their families, short‐term/emergency housing or long term housing where allowed by this chapter, and child foster homes.The term “transient accommodation uses” does not include a guest house dwelling, when one or both of the sleeping rooms are located as apermitted accessory use within and incidental to the primary residential structure and the primary residential structure is owned by a naturalperson and occupied by the owner.

This device monitors usage, so it would (should) recognize the large spike in consumption that a main break would create. 

Ceiling fans are good on days where you can get away without using an AC (i.e. saving electric consumption).

How about someone under 21 having a credit card or drinking alcohol?

Watch the gas usage in the winter when the heater is used as it will increase.You could do a schedule for Higher gas and water consumption months. 

Since Fannie Mae guidelines are published for public consumption, there's no secrets with this stuff.