But the utilities look low, does that include heat?  

Secondly, it's good that you're attending the no men allowed group on Wednesday; you should also go to either DREIA or BREIA (depending if you're in Miami-Dade or Broward).

Forced-air heat with refrigeration A/C.

@Makenzi Capezza You can also double check you don't have glue residue on the wall by using a heat gun (or blowdryer to warm the location up) in a spot or two and checking to see if that's what's making the weird texture.

Central heat and air conditioner.

If it had radiator heat, that does make sense, but that too should have been recognizable to anyone that ever has been in an old building. 

How do I factor the hard money lenders numbers into my whole MOA.Also does anyone know a hard money lender in the Miami area?

The problems I've had with customer supplied material is that they either tend to buy the cheapest of the cheap stuff or they have an issue with defective material and expect me to warranty something that they bought. ex: I had a customer who had bought a water heater themselves and the electric heating element went bad 6 months later.

However if the heating bills are high, it might save in the long term to get new siding to help with that.

Hello, I’m starting as a Bird Dog/Wholesaler in Miami.