Many carriers have ceased offering new policies or will only accept properties in very nice condition with verifiable updates to the roof, electric, hvac, and plumbing.

I would say look at the big ticket items, roof, foundation, electric, plumbing, HVAC and assess from there if anything needs to be done 

Separately metered gas & electric are generally viewed as more valuable because water is less commonly metered.

We planned to close off the doors but realized if we do this, the other tenant will not have access to the basement where the electrical panels are. 

Tenants should be paying for electric and gas in any case.Third thing: make sure that you're scheduling tune-ups, once in the Spring and once in the Fall.

These are 1930 buildings with old plumbing and electrical systems.

Lower electric bill, carbon foot print, blah blah blah. what's not to love.BUT I'm in Florida, not sure about you.

There's  plenty of parking however when my relator reached out to concord zoning they said it isn't able to be turned into a duplex " which to me means one address instead of two and I cant have separate water and electricity to the units".

So I’m in a bit of a bind, I have a duplex I’m house hacking we remodeled entire thing, new hvac, electric panels, electric main, updated plumbing, water heaters, furnace, install central air, roof.

That's at least 10 bathrooms, 10 kitchens with all new plumbing and electrical. probably new hvac too.