The window must have a net clear openable area of 5.7 square feet (5.0 square feet if ground floor), a minimum openable height of 24 inches, a minimum openable width of 20 inches, and the bottom of the opening must be within 44 inches of the floor.Size: The room must be at least 70 square feet, and no less than 7 feet in any horizontal dimension.Lighting & Ventilation: A natural light source (window) of not less than 8% of the floor area and natural ventilation (openable window/door) of at least 4% of the floor area are required.Heating: The bedroom must have heating capable of maintaining a minimum room temperature of 68°F.Smoke Detector: A smoke detector is required in each sleeping room.While a closet is expected in most bedrooms, the International Residential Code does not actually require a bedroom to have a closet.

I’d rather deal with snow than hurricanes, wild fires, extreme heat, etc etc but I’m a Northeasterner anyway.

I want to point out that there is most definitely an element of economy of scale here - most profitable lenders need a team of people with specific skills to lend efficiently and profitably.

I also put in exclusions for the water heater and furnace so that they are responsible for those.What type of language will make the AS-IS language stick and make it very clear that they are required to maintain the heating and water systems?

Most folks struggle to get over the hump and never invest because every property comes with an element of risk. 

And rooms needed to be separated so you only heated (forget about cooling) the rooms that you were living in at that time - i.e. you didn't heat bedrooms in the daytime because you weren't in there.

Also, in my lease for tenants, it states that the tenants are responsible for paying for heat utility.In New York City between the months of October and May, landlords have to have to keep the heat a certain temperature.My question is, am I still responsible for keeping the temperature at a specific number if I placed mini splits in each unit and that my lease says that the tenant(s) are responsible for paying the heat utility?

Feeling the heat yet?

This ensures the property is secured, heat or A/C is adjusted, all water is off, and they do an initial inspection to see what they are dealing with.

All of the elements of an easement by necessity (or prescriptive easement, depending upon the facts) would need to be satisfied... read SD case law to find out what would need to be proven.