The price of the loan, utilities, insurance, and maybe half a year of property taxes or so.

The good news is claiming income allows you to claim expenses, which means a portion of the house, utilities, etc. can become an expense. https://www.nolo.com/legal-enc...

Has anyone utilized Verdant or Carson for HVAC and/or electronic door controls? 

If there is more than one meter for any utility, the city can track this by utility usage. 

We took a 5 unit building that had one electric meter and one 40 gal water heater and separated them individually and had the tenants pay for their own utilities.

As an investor and agent in the area, I work with some investors who utilize lenders that only look at the asset and your credit score (but not your DTI), while others choose to purchase as a second home loan. 

Essentially all they need to come up with is one month's rent, which is typically the upcoming month anyway, and they walk away clean - no lawn care, no utilities, nothing - and we assume the risk if the property takes longer than 1+ month to rent.

Then we got a HELOC; because the interior was not complete, we used a bank that utilized desktop underwriting. 

@Kamron Lewis I know the initial cost would be kind of expensive to separate them but you could also then have them both pay their own heat too if the utilities were separated.

I would push you to think about what is possible, and how you can utilize the time that you are given to really scale to your fullest potential.