I'll message you to discuss more, I have a good rate and would like to stay in that range. 

Same property listed water bill paid by landlord so how much does it cost to put individual meters for each property so cost can be moved to tenants? 

While you may be willing to live without heat/ac or hot water for a week.

Running water through it? 

I believe it is completely reasonable to have a clause in your lease that places a cap on utilities with any overage (proven by a bill) being the responsibility of the resident.Our clause states that any electrical bill (we don't have gas, and water has never been a problem) that is over double the same month's bill from last year will have the overage assigned as a fee.It is important to keep your bookkeeping straight if you do assess a fee.

That is enough albeit only a cheaper property and, while I don't know Florida that well, I doubt there are many in that price range. 

In Reno and metro areas, insurance companies primarily focus on roofs, the age of the building, wiring updates, and water pipes, as mentioned @Cameron Moore.

I have just started looking at properties and the first SFH we toured had just had the furnace and water heater stolen! 

I purchased a new furnace and water heater for another unit.

The price range for the home would be $1M - $1.8M.Is there any way I could qualify for 3.5% down instead?