One of the reports they have provides a capital expense schedule that includes the total amount, placed in service dates, useful life, name, categories, properties, etc.

No home inspection will ever come back totally clean , learn to read and understand them

However, I'm totally making up numbers and I would talk with a lender to verify this information and get more specifics. 

Meaning I’m only actually living in the home for a total 6 months out of the year.

They filed 4 complaints jointly, and 4 each individually (12 total).

Totally understand the laws of the area.  

If so, you can test each unit separately, as it seems obvious that the first floor leak would be from the second floor, but water is a tricky situation.For the roof, I would certainly get several groups out to let them diagnose the issue and bid the resolution.  

Hot water is usually separated it is just the cold water that is often not.For a very large building a flat fee is the move because the back billing and tracking of who paid for what would be hectic, but for a small MF like a duplex it is very easy.I split the bill by the fractional amount of people who live in the unit.In other words, the amount of people that live in the unit divided by the total amount of people living in the builidng.So if there are 3 people upstairs and 2 people downstairs.the upstairs pays 3/5 of the bill, and downstairs pays 2/5.No need to separate anything, you know the tenants will cover 100% of the bill and this approach is fair. 

Too many get tunnel vision on just the % and completely forget there is 3 factors to how the #'s wash-out; the rate, over what time, on what total amount.

I kept that mindset too long into the higher rate environment and have recently shifted my perspective especially on refinances and here is why:1) To frame this, it is important to first consider the total cost of refinancing.