So bankers are likely to be forced to try to generate creative ways of financing an unafforable mortgage which often isn't a sustainable solution and/or people are likely to move elsewhere.Apparently house values also increased by some 21% in Los Altos from last year according to Zillow which certainly isn't the national norm nor am I aware of traditional income growth being in that range here.

I definitely would like to shop around for the best solution.

Sustainability would be key but might provide a creative solution to a killer heating bill. 

The 60 gallon sounds like a good solution.

This is a craze/bubble whatever the term you want, it cannot be sustained, with year-over-year appreciation of 20% lol.

With sustainable appreciation and unbeatable cash flow, Greater Cleveland real estate is a fantastic investment! 

@Matthew Mason it can be a good idea if you are confident that you know a good deal when you see one and if you will also be the property management solution. 

As for a solution, you might want to check out the list of "concerns" and consult your licensed electrician that should have taken care of these concerns, or have him write a response letter stating in his professional LICENSED opinion that everything is safe and to code.

What I'm looking for is some advice and or direction on how I can begin due diligence on finding best submetering solution?  

Pheobe I think this is a good solution for now given your circumstances.