When I hear from a smart guy, I pause and reflect.

My guess NOW is that the bill hasn't reflected the changes yet and come December, I will report back!!

The answer to this takes years of experience and reflection, alas it cannot easily be "Googled".

Unfortunately if you have a triplex or duplex with one meter you have to bite the bullet, however your rental price should reflect gas and electric expenses(give yourself as much cushion as the market will allow for a utilities included unit).  

That's enough, I'm off my soapbox.If you want to update your model, I'd suggest doing daily gain/loss instead of monthly to more accurately reflect the timing issue that will come into play with this issue.

The listing "should" reflect that information.

That gives a more accurate reflection of the NOI you'll have to cover your debt service.

The military population reflects society as a whole, the good and bad. 

@Sophia McMillion Rates are a reflection of many things combined.Your creditHow much debt do you have outstandingYour ability to repay your old and new debtHow long have you workedWhat is the loan amount - conventional, jumbo, super jumboIs it a fixed rate or ARM - 30 yr fix, 15 yr fix, 10/1 ARM, 5/1 ARM, 1/1 ARM, 1 month ARMWhat is the purpose of the loan - purchase, refi, investmentWhat type of a loan are you looking for - conventional, FHA, VASo can't really tell you if you are getting a good or bad deal without details.I would be happy to review if for you if you like.Upen Patel

The appreciation rates for an area are simply a reflection of what has happened, they are no guarantee of what will continue to happen.