Having it in both FL (my domicile) and CT (property location), created double the work and fees in both states.From what I can tell this isn't the right entity structure anyway, so I can imagine it was a pain with many extra costs! 

But the way you have arranged the owner financing, and build costs, followed by refinance…this is a repeatable model for you.  

The only cost so far is the hosting which was $150 for 4 years (plus domain name which was negligible).

If yes please let me know more about it.I am asking this question as I am interested in buying and managing a Multi-Family or Apartment or commercial building in North Carolina ( Charlotte or Raleigh).Thanks/Regards,Ram

Aside from the items that you already suggested, the only other thing you can use to verify the stated income is the seller's bank statements (not all sellers will release their bank statements, but some will).The expenses will vary a bit from owner to owner, so you're better off reaching out to a local property management company to get an understanding of how much things cost, unless you plan to self-manage the property. 

I don’t currently insure it as the cost was four times my home.

I do not have a sheet but I typically budget $150 for lawn, $150 for pool if applicable, $100 for cable, $100 for water, $300 a month for electric (depending on property size and your local utility costs), $50 for pest control, and another $200 per month in misc. 

The best approach depends on the investor's risk tolerance, property management skills, and investment preferences.Good luck!

There are often cost effective solutions (ie a few thousand dollars) vs 10s of thousands when you consult the correct advisors.

My company manages properties nationwide; some for local investors, and some for investors with properties hundreds of miles away!