We rarely have issues, but it seems like such a small investment in time and money to take one day to verify. 

A little more info, I am doing a full cosmetic rehab on one of the units and a lighter one on the other but I am assuming if I am going to split the utilities I should do that prior to any rehab. 

One is house hacking. 

One was purchased a  few years ago by an out-of-state owner who has decided to sell and has doubled in value.

Live in one half, rent out the other.

I know one person that did this recently and was able to negotiate no money down and 12% over 5 years but this was probably in the mid west.

Depends on the brokerage you have, but the one we use currently has a rate at 5.83% at 50% LTV.

In my market, I only have one vendor qualified for appliance warranty work, and the warranty companies paid him half his standard fee for each service call. 

They are just going to use their 2nd VA loan to buy their next one while this one is tied up. 

I plan on living in one side and renting the other side out.