The bottom unit tenant is challenging me, demanding I reimburse him for the heat which is going towards the 2nd floor.

Either the owner is due additional NNN expense reimbursements or the tenant is owed a refund for over paying.Commercial base rents are negotiated at lease renewal. 

It requires you to pay the utilities, then get reimbursed from tenants.

But I did offer a solution she didn't want, so I no longer felt obligated to reimburse her for any lost food.Long story short, the electrical issue...which started as a small part my electrician's fault, but blossomed into a big and totally unnecessary problem with the energy company...ended up being a hassle for everyone. 

For example, water may be in the street but there are huge connection fees due because a builder constructed the line to a project "beyond" yours and is slated to be reimbursed costs for those that tap onto the line.

All told, expect to need 25-30% of the loan amount to close the loan.  15-20% toward downpayment, 5-10% toward closing costs.  5% toward interest reserves, as you'll have to begin the rehab yourself, and will be reimbursed as you complete it.  

We were reimbursed as much as 60% of our outlay for these upgrades over the course of the last 10 years.  

During upswings in the market most people get out of it.The listing agent doesn't make much money with individual homes, so they have to make it up in volume, which is why people get out when the market upswings.You also have to pay a lot of things out of pocket until you close and can get reimbursed (boarding up houses, changing locks, turning on utilities for inspections, mowing lawns, etc.).

This means no income, no rent, and no reimbursement for forthcoming damages.

Funds received as gifts and used to purchase the property may not be reimbursed with proceeds of the new mortgage loan.