PM fees typically run 8-10% of monthly rent for a duplex plus often a leasing fee of 50-100% of one month's rent when placing new tenants.

Some carriers don't ask but you should make sure that you're not indicating (in the policy application that is typically e-signed) that you aren't using your property for student housing if you are.  

Originally posted by @Kelly Watkins:Residential developers in Wichita pass the cost of the neighborhood utilities (sewers, streets etc..) onto the buyer.

They typically won't agree to that. 

If you do have enough other income then you dont even need to lease out this property to start your refinance.However if you dont have enough income to qualify with no rental income offset then yes you will need to obtain your lease(s) and security deposit + 1st months rents deposited before you can utilize 75% of this gross income - your monthly PITIA payment (in terms of qualification on this property refinance.So all in all Id make sure what your current debt to income position is first of all (DTI) and then strategize to see if you even need the leases at all.

You can also start exploring a house hack to utilize the lower DP

How do you typically handle this?

Not sure what 3rd party they use, I typically use transunion smartmove. 

Another avenue would be to call your utility companies and ask about installing additional meters.

In fact, a couple of recent studies have shown that working with a broker typically saves about $10,000 on a residential mortgage.