I know there are many places in Ohio and we are looking at them all including Toledo.

Even a media outlet like The Wall Street Journal to keep up with market trends and other macro factors affecting real estate.

Have a rental property in Texas listed with an agent, and they are giving me a lot of push back on including anything about the returns we get. 

And while grabbing an owner-occupied loan is typically a non-starter in a standard 1031 transaction, this is a mixed use property that does include a personal residence portion. 

Yes, in FULL DOC and SIVA versions (depending on a number of factors like FICO, cash reserves, etc.).Regards,Scott Miller

This includes income & asset verification, tenant's credit, criminal, and eviction reports.

Areas like rural small town Bisbee multiunits are dirt cheap, cash flowing, but factor in the area of middle of no where and not up coming.

Will depend on several factors like the type of property, type of tenants, your risk tolerance, other assets you own, your estate planning, laws where the property is located, etc.

Not worried about small or medium spikes , just something to protect us if there are hundreds of dollars used that shouldn’t be.Looked into splitting them and it just isn’t worth it right now.Would the best way be to just list utilities included upto a certain amount based on historical usage for electric(kwh) & gas(mcf) totals for a year?

The basement reno was a great learning experience, it was a full gut and redo which included HVAC and plumbing for basically the whole house.