The single package HVAC units might be your best bet since they can be all electric/heat pump but you'd still have to install the ductwork, but it is very high end and takes very little space.

I see separate meters for electric, why in the world is the bill $550/mo?

I charge $535 per bed room and they pay all their utilities (gas electric water).

Meaning it has a well and electric and gas if it has those things. 

The problem is there is only one electric meter.

In a perfect world: (in no particular order): Square/rectangular shape, 1-story, open floor plan, lower pitched roof fully trussed, slab on grade monolithic foundation, 24 o.c framing everywhere, T1-11 plyw. siding, minimal windows, minimal doors, minimal trim, minimum code electrical/HVAC/plumbing, carpet everywhere, avoid tile, laminate countertops, Home Depot cabinets, basic fixtures and appliances, no fencing, no trees or old stumps, minimize landscaping, minimize driveways and walkways, forget pavers, cleared flat lot, no fill, utility hookups available in front of house and best case they are aleady tapped, inspectors are easy to work with and pass everything the 1st time, subs show up when they need to and actually care.

If you have a 2.5 You wouldn't necessarily need openers but if someone was going to park in there they would sure appreciate it.Other thing you didn't mention - who is paying for electric on the garage? 

In the winter its the gas bill for renters using the heated pool and in the summer its been the electric bill from the AC (just got one yesterday for July - $472!!!). 

It seems they check for visual, electrical, moisture, mold and gas.If it really is that simple than soft inspections can be done much cheaper and faster and more often by a trusted but non - certified joint venture partner.While I'm in the area I can do a demographic, a title, and a infrastructure forecast search.

We hire out the electric, plumbing, HVAC, drywall, but my husband usually does all other finishing work.