The only scenario where we normally would include utilities is if the properties utilities are not individually metered.

Diving right in, I am looking for individuals who could use a helping hand on weeknights & weekends.

It would be up to an individual judge to determine if you can give 30 days and refund the money. 

As an I agent I have different lenders who do different things well so I send my clients to them based on each ones individual needs.

Keeping the cash in my account enables me to more easily access it.2.)

I don't think any law requires you to allow more then one ESA per individual. 

I'm ready to be back around like-minded individuals!

It all comes down to risk tolerance and your individual situation.It should go without saying, but insurance companies are profitable, which means in the long run they pay out less than they collect, which means that essentially you are paying them a lot of money, for only a little bit of repairs.The caveat of course is you need enough cash on hand to cover deductibles. 

I’ve never seen a condo without an hoa/coa....it’s part of the basic legal structure.10% down route won’t likely work as you guys would have to buy individually. 

I am interested in learning more about real estate investing/ having discussions with experienced individuals about getting started!