If you have picked up this property from a seller who has a loan and you took it subject to the existing mortgage then you will need to send the bank a form that allows you to speak to them on the sellers behave, get a POA for the insurance, or cancel that policy and get a new one.

I know I will be having issues when they vacate, and things I have to fix.

@Erik Nowacki I second that, 2 flips at one time and a complete gut job, a huge expense and stress for a first timer that won't be having any income in the meantime from the properties. 

I won't be having conversations with that person about Wholesaling.

If the sellers are going to behave like this all the time....

Never hurts to ask, someone could be having a great day and say, oh, sure, no problem!

They are already lying by stating the NOE is 0.Find a good inspector, speak with the current tenants and ask about any issues they might be having.

They behave more like a business than a RE asset.  

That being the case you should be have a clause in the lease that allows for a 5-7% increase in the utility cost with a built in 10% profit of their usuge on a submetered basis.You’ll be making 10% on top of the bill and another 5-7% compunded every year. 

And I would argue any day that humans behave in illogical and unpredictable ways, and will do so forever into the future.The fact that predictions come from everywhere, on both sides of the bet, and every year/month/day doesn’t in itself make these predictions invalid.