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It varies based on who the CMBS lender is.Some smaller outfits get more aggressive on being loose with requirements.

Afternoon, these are numbers that can vary based on the size, age, and type of tenants.Insurance - Age, subsidized tenants or not, coverage, all play a role.  

This will vary by property, hopeful making this more accurate will show a clear leader and better returns.

Electric rates vary, but around here, electric and oil are the two highest heat sources.An energy audit might point out possible upgrades to the property to save on utility costs.And while the utility bill is the tenants responsibility, I have found that lower utility bills make the tenants stay longer.  

I'm sure it varies, but I have gotten excellent deals from wholesalers for flips.

Here are a few recommendations for you:Find and connect with other BP members that are in your area: http://www.biggerpockets.com/meet Set up keyword alerts to be notified of the topics that interest you: http://www.biggerpockets.com/alerts Read Beginner’s Guide: http://www.biggerpockets.com/real-estate-investing Check out BP Podcasts: http://www.biggerpockets.com/renewsblog/category/podcast/ If you wish to tag someone in the conversation on the forum, type @ followed by their name and then select that person below.

Here are a few recommendations for you:Find and connect with other BP members that are in your area: http://www.biggerpockets.com/meetRead Beginner’s Guide: http://www.biggerpockets.com/real-estate-investing Check out BP Podcasts: http://www.biggerpockets.com/renewsblog/category/podcast/Wishing you the best! 

You want to look for the flexibility to not be subject to Co-Insurance requirements or minimum earned premiums and varying choices in deductibles and coverage forms.