The installer supplies it, and they get it cheaply.

I didn't know this until I went to a professional plumbing supply store and was advise to get an angel stop with steel ball valves.Also, not sure if this matter either, but some of the water supply ends is also made out of plastic, which is probably ok, but I got the ones that are made out of steel.One last thing, does anyone know how long these angle stops & water supply lines last?

I know there are a lot of variables in this scenario, but I was wondering if anyone had some experience on the business side or advice on purchasing or building a commercial property like this.  

I mean to say there is a lot of variability in heating costs from house to house.

I am a home builder in Northern California, but also Supply cabinets.

But again it is a land loan, at a higher interest rate (I'm paying 5.2% variable 25 yr am and most 5 yr fixed mortgages these days are at 3.34%).

Then there's what seems to be a endless supply of properties that have yet to hit the market.

Sounds like your position is that strong migration trends, limited housing supply, lots of companies in the area means house prices are unlikely to fall right?

You need a loan my friend. with the 40k liquid you should be able to qualify for a deal in the 200k range depending on a few other variables.

You can either market them utilities included, or look at the expense of having a private sub-meter hooked up to the main supply of each unit.