In Upstate NY we are held hostage by our electric and gas company so you never know if you will get a $120 electric/gas bill or a $3,000 bill.

She will either take you seriously and move out, or she will show up in court with no defensible position and be forced out.The lease says she is responsible for electricity, but the former owner and property manager sets a precedent by paying it.

If you don't have it you can call your insurance company and ask them to email you the declarations pageRecent Mortgage Statement:2 Different Utility Bills: Gas, Electric, Cell Phone Bill, Cable, Garbage, any two utility bills.Copy of Mortgage Note all pages: Was included in your closing documents when you purchased the home.

Add another $20 a month for that.Add in HOA fees ($300 a month; shown in your link), Gas, electricity, high-speed internet, water, trash and snow removal. 

Electrical, plumbing, the list could go on and on.

If you are someone who is devoting energy to promising people riches, then taking them for $10's of thousands of dollars, you should be exposed for what you're doing and you should also stop what you are doing immediately because you are a drain on society and your soul will thank you for stopping in the afterlife.My point here is that not only is this tactic effective on people who are strong and intelligent, but it is also effective for people who are weak and desperate and that is the real issue.

Budget time and energy to manage the property manager. 

The building stock is like all the other Chicago urban core burbs, so expect lots of 1950's and 60's construction with galvanized pipes, flat roofs, boilers and outdated electrical.

What kind of electrical panel does it have?

Check how many electrical meters there are, and if there is one for the common area.