The tenant alleges they transferred the utilities on the 26th of May and left the house on the 31st.  

They are gross rent estimates that include the rent plus the cost of all tenant-paid utilities, except telephones, cable or satellite TV service, and internet service.

My wife and I have a couple of our "dream" neighborhoods picked out. 

The numbers associated with these are different for everyone.With bigger jobs, such as yours, I would need to utilize a team.

of the book is utilizing a high cash value life insurance policy that earns a constant rate of return and grows tax free to borrow against for large purchases.

I need him to at least be at $1400 to hit half of the house monthly payments not including my utilities.... 

If you could pick them up at 60-65% ARV (seller carry lenders typically don't have robust notes and deeds of trust, servicing notes, and pay histories) and work with the borrow to refinance at or near a full payoff, you'd make a killing.

You could contest it by providing the $350k comps you are talking about.You can pay for the full appraisal or you can also pick a different bank which will order it's own appraisal.

I might have a couple contact for you, I'm connected with other wholesalers in different markets and just picked up a package of 5 SFRs myself to wholesale.

And they agree if they start later, they are willing to pay a bit more to make up for loss rent.For example:rent is $2000 if starting Aug 1rent is $2100 if starting Aug 8rent is $2200 if starting Aug 15We need the contract signed before they can make this decision, can we pick a date to sign first then include a clause where they have until X date to change the start date & rent?