Units are all electric and have individual panels, water heaters, and HVAC systems.

That will free up your ability to use the FHA loan program again and not have to worry about red tape rules.This will also give you the opportunity to live with your Fiance' and test the waters. 

Has separate power meters, separate water meters, and separate gas meters.

I can do the project in phases, but I am in for quite a bit already, the land acquisition, engineering, architecture, horizontal construction for utilities, water retention and so on.  

You're not even allowed to turn off the water to a rental, no matter how much the tenant owes you.

Mini splits are capable of heating and cooling but they're a bit ugly with the inside units being bulky and noticeable and also they are a bit more of a challenge to service (no central air filter)Does anything else run on propane such as the dryer, water heater, range, etc?

You have to have a good enough relationship with them so they let you know when there is water or fire, but distance enough that they don't ask you how to change a lightbulb.

Since we are building individual units we have to consider impact fees for each unit for the city and water sewer and water line for them to have there own meters.Once permits are approved, we estimate the first model to be done in 2 months.

I listed two weeks ago, very first tenants lost hot water on their second day.

Plumbing water pipes or paint?