We utilize Buildium which seems to pretty organized and easy for our tenants pay their rent through. 

Operating Expenses includes taxes, vacancy, utilities, insurance, maintenance, and management fee.

We don't have that guideline for cash-outs, we just utilize the 1007. 

I'm concerned that the combined load of heat pumps and ancillary heat strips, along with other appliances, might exceed the 100-amp capacity during winter.As part of our future plans to add a third unit and separate the utilities, we intend to install two additional meters: one for common areas and one for the new unit.

I'm a member of one local STR page that vets owners by requiring they see a utility bill with the address and the owner's name.

So, I’ve developed a list of what financial intermediaries SHOULD and SHOULD NOT do in order to establish a viable, sustainable intermediary business1.

Tenants pay all utilities.

I most definitely 2nd getting the utilities mapped first before digging.  

., 50% occupancy, $1,000/month net) and factor in cleaning, platform fees, and utilities.

I am not obsessing over numbers right now, more concerned with doing the right kind of work and building something sustainable.