Sewer and water in my area is around 10k a unit.

Quote from @Kaushik Sarkar: Hi,I am looking to invest first time with a turnkey developer,  who is buying the land and building a multi unit commercial retail center and some apartments.

I’m actively seeking to purchase either a multi-family or duplex unit in the Columbus area  for a medium rehab project. 

I spoke with State Farm, but they require plumbing and electrical panel upgrades just to consider reviewing my application.

Investment Info:Large multi-family (5+ units) buy & hold investment in Bryan.

@Alecia Loveless is correct--tenants need access 24/7 to their electric service panel, water and heat, assuming those are individual utilities for each unit. 

Also doing all new plumbing and electric service/panel upgrade to 200amps.

Meanwhile, I have 10 units management experience. 

I wish you would have told us the year, it makes a huge difference.Anyway, everything you mention, plus 1) get a camera run on the sewer line, 2) make sure the Elec panel is newer and sized correctly (a lot of HIs will just say if it's functional or not) 3) Foundation ( is it slab or raised?)

We have an acoustic panel set in there for aesthetics and sound.