Ex; taxes, water, sewer, garbage, HOA fees(if applicable), insurance, is it in a flood zone, is gas separate, is electric separate?

So in that case, the better call would be "Hey just calling to let you know that the garbage disposal at 123 Main St broke, it's getting replaced tomorrow by Garbage disposals R us, and it's going to cost $50."

All the properties I see are complete garbage and highly overvalued. 

Another thing that can help is drive the neighborhood on garbage days.

Here is my worksheet for "sniff test" on a property.CostDPLoanMPMP YearlyTaxesInsurance (get a quote)Utilities (for water, sewer, & garbage, I use $1500 per unit)Vacancy & Maintenance 10% of rental incomeAdd last 5 items to get your yearly expenses and subtract that from projected income.

You can usually find out actuals for things such as property tax, utilities, garbage, landscaping, {snow removal up here}, etc on your own.  

Utilities (water / garbage / gas / elec.) - who will be paying these?  

I have checked craisglist but their are not many on there to compare rents with.Property taxes are $2,900I would be putting down 20% and am looking into a 30 year fixed around 5.2% to 5.5%.I am assuming that electricity, water, sewer and garbage would all be paid by the tenant.  

From a financial POV, a lease would be between $2300-2500 per month, with a monthly maintenance fee of $105 (lawn, cable, garbage, etc.).

In multis where there aren't separate meters, you'll see landlords having to pay water/sewer/garbage.