Someone who is familar with NY State, fees etc and can do a realistic analysis to see if it currently makes sense to do it given what I have (Vs. someone less experianced who just wants to sign the business)thanks

That could be an advantage in that no lawyer will take that type of case on a contingency fee if they don't think they can win.

You can usually find info on the utility fees charged by the comps on Apartments.com or on the apartments website.

Is there a source for the following data;  I am looking for the "norm" for the expense ratio (based on either GPR or Gross Income) for individually metered garden style apartments in the south east and the mid Atlantic (Region IV) : Marketing Insurance Janitorial Service Lawn/Snow Licenses Miscellaneous Professional Fees Accounting Legal Property Management Fees Repairs and Maintenance Resident Superintendent Salaries and Wages Supplies Taxes Real Estate Personal Property Payroll Other Trash Removal Utilities Electricity Fuel Oil Gas Sewer and Water Telephone Other (whatever I missed)

I still self manage but I include a management fee of 10% I pay to myself along with my owner's monthly draw from profits.I'm not a big time player, but we're now doing well enough that if I lost my day job, we could live okay.Going forward, I'm looking at moving in more full rehabs in B hoods so we can get cash flow and appreciation. 

Look for the lowest fee as possible or one with no fee at all. 

Haven't had any issues with it, and fees are pushed to tenant as part of the application fee so it's an affordable choice as well

Mine being 15 year, 4%, 2.5 point fee and refinance after 2 months and cash out only my input at 3.7% 20 year, another credit union.

Or maybe it's because of the age of the property which is built in the 1920s, but many homes in my market are built during that era so I can't imagine the whole city paying these astronomical policy fees. 

I’d happily pay a fee for a off market deal brought to me.