We wrote into our purchase agreement that a separate septic agreement needed to be drawn up and attached to the recorded deed for all future owners which protected us and the other home owner,  and will make it easier to sell in the future with that in place. 

And networking will propel you to the next level.

We took the highest month of "normal" winter usage we had records on -- people in the house, heat running at a reasonable temperature, washer/dryer running, etc.  

He's right and if it does come to that, stick to the facts, keep a record of when everything happened.

If you submitted an itemized breakdown within 30 days of your move-out date, there should be no issues.Did you take any photos for your records?

This is what we tell members:  These teams have a track record with us.

when I used a capital gains calculator online, if I put zero money down and put the 2 loans, the cap gains is a lot lower than if I just recorded 1 loan and entered the money from the downpayment loan under cash.

that doesn't seem ideal - i think people should build up a track record before borrowing private money and putting it at risk.  

This figure represents the highest employment rate ever recorded in Italy, indicating a positive trend despite remaining below the EU average. https://www.statista.com/topics/12899/employment-in-italy/2. 

Build a solid track record with these properties before proposing larger moves.Leverage your commercial experience to identify growth opportunities, and start building out your team.