This could be because the insurance company has conducted its own investigation and believes that the damages are not as extensive as the policy holder claims, or because the policy holder has submitted exaggerated or fraudulent claims.The insurance company may be facing financial difficulties and may be looking to reduce payouts in order to save money.It's important to note that insurance companies are required to act in good faith when handling claims, which means that they must treat policy holders fairly and not unreasonably deny or delay payment of valid claims.

While you are waiting to refinance in a year or two you are reducing your principle so when you do refinance it might be at $195,000 or $190,000 which will reduce your cost and Increase cashflow.  

I didn’t find any unicorns yet of how to keep it super warm but will see if the cover makes a material difference Insulate your pool: Adding a pool cover or blanket can help to keep heat in the water and reduce the amount of energy needed to maintain a comfortable temperature.Set the thermostat correctly: Set the thermostat to the desired temperature and avoid making frequent adjustments, as this can cause the heater to cycle on and off more frequently, which can increase energy usage.Keep the heater clean: Make sure to clean the filter and other parts of the heater regularly to ensure it is operating at its best.Use a timer: Use a timer to turn the heater off when it is not in use.

Anything that reduces exit options has different am I overleveraged or not metrics. 

This takes a little more work, but it's the most fair and reduces the likelihood of tenants that squander utilities.If you choose #2 or #3, there are considerations:Start with an average.

My recommendation is that you screen tenants using a service which offers the full spectrum of reporting (job history, rental history, income verification, credit score, any adverse items as a part of their full credit history, nationwide criminal background check, terrorist list check, sex offender list check and eviction history).  

On the same note don’t wait too long and as soon as you pass the threshold of 2 weeks, or whatever you decide, I would reduce and make sure you have the highest number that will for sure get a tenant.

I'm probably going to let the property sit for a little bit and see if they reduce the price more and then offer a slightly lower as well.

With two meters, he'll pay the $15.00 plus his use, so it wouldn't reduce his bill at all.

Have the 3BR house put all the utilities in their name and then you reduce the rent to offset your average usage.It will only take one month of them keeping their home at 75 degrees in the middle of winter with their bedroom window open to make you regret 'including utilities' in the rent.