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It’s better to cut your losses now.Hate the process of finding new tenants?

Electric: is the easiest to split, but may require holes cut in walls to separate the units.Gas: gas lines aren't as flexible as wires, but it can usually be done affordably.Water: most cities will NOT install additional water meters on a property.

Do not cut corners.

Is the option government supplied insurance where taxes supplement the insurance?  

Not the best idea to cut costs.

It was a huge investment, but it cut the electricity cost by the full 2K per/mo all summer.

This way, you can easily revisit details and pick up right where you left off.Avoid cutting corners to save money, as it often costs more in the end.

Two of the kitchen cabinets were also cut in half.

A HELOC comes with a variable interest rate and all signs are pointing to no further Fed rate cuts in 2025 - and there may even be rate increases.- So, you may want to consider locking in an interest rate via a 2nd mortgage.Do you have reserves for unexpected expenses?