The job did not produce any document/receipts for obvious reasons, and common sense would tell me this is not possible.

I think they are more common for "for sell by owner"

I refinanced with a local bank from a 20/5 4.9% to a 25/7, 5.25%, it not common but it's out there, just takes some looking.   

That is common knowledge and the sentiment of sellers reflects it.

Make sure on your rental agreement that people understand they are renting a room with shared access and responsibility for the common areas.

The Radio Utility Billing System seems really affordable and logical but I can't find a company to do this for such a small unit size.

The general consensus was that for a 3/2 or 4/2 SFR home, 8k was fairly common while anything pushing 15-20k was not very common.The house I was interested in had a bid for 7500 but also 18k, so I'd be curious where the difference was.  

You've got the big ones but sometimes I'll also adjust utilities or r&m if I think capital improvements completed as part of the transaction will impact those figures.

HELOC or Cash-Out Refinance would be the two most common ways to access that equity.

What I found was most common is that banks are waiting to ensure a clean deed before they list them for sale.