I would call the tax office and ask them to explain how to read it.

Many have posted a few great tips already, that's the cool thing about this forum ;-) That said, I highly recommend using the awesome tools provided here on BP to learn the basics of analysis and underwriting.A few tips to get started and your continued learning:Find and connect with other BP members that are in your area.Set up keyword alerts to be notified of the topics that interest you.Read Beginner’s Guide.Check out BP Podcasts.Find upcoming real estate events and meetups near you.If you'd like to tag someone in the conversation, type @ followed by their name and then select the name of that person that appears below the comments box.

If the agent pushes the issue, complain to their office and the local board.There's a lot behind the buyer/broker exclusive contract.

Is there a search word I should use to look or would I need to go down to the county offices?

I don't think my insurance company State Farm gave me an option to drop my premium just because a renter would have insurance as well.I use a company that only does commercial insurance policies (multi family buildings, office buidings, retail centers, etc.) as I mostly own MF 5+ units.

Call your loan officer first thing Monday morning to see if there is a workaround to turning on the utilities as this issue keeps many hud deals from closing .  

Any other tips for actually filling out the contract?

@Robert Herrera Thanks for the tip.

@Dmitriy Fomichenko Thanks for the tips. 

A tip I got from @Steve Vaughan is to post a few ads on CL or something similar in your area, without the address of course, to figure out the demand in your area.