However, foundation, broken windows , electrical panel.

The easy part is installing new meters and new panels.

The upper unit is fine, and no walls need to be opened.The electrician says it would costs around $8k to  put separate meters , panels and rewire upper and lower unit as needed.By separating the electric, by how much would it really increase the value of the two family?

The electrical panel will have a red placard on it. 

Just did a white Shaker kitchen, with a dark grey island, 36" uppers, light rail, crown, two fridge panels, soft close doors and drawers and paid just under $3400.

If it is a broken seal, take the sash to a local glass company they can easily order a new sealed glass panel and install it in the sash.

When we identify a problem (for example: a fire hazard in the electrical panel) we'll recommend a specialist (an electrician) to fully evaluate the problem and prescribe the most appropriate fix.Back to your specific question:  if the basement walls and ceilings are covered it will be difficult for anyone (including a structural engineer) to evaluate for structural issues. 

Electric panel operate to 100 amps?

It's been really valuable, and I appreciate your time.After the options and considerations, we settled (amicably) on the tenants paying for the replacement door glass panel, and my handyman installing it.I love the measured responses here.  

;age of the building;have there been any updates to the building envelope over the years (insulation, vapour retarder/barrier, fenestration, etc);are the radiators the older, freestanding cast-iron type, the mid-century baseboards, or the more modern flat(ish) panels;are the hydronic heating lines copper, black iron or {red} brass?