My all-in cost after all of the renovation cost, financing cost, utilities, refinance fees and closing costs was about $305,000.

When they added this requirement, that was one reason we decided to switch to using a much more reasonable and customer-focused custodial institution as the back-end for our programs. 

People make estimates for cap ex, operating, taxes, insurance, utilities, etc.

I read about ratio utility billing systems (RUBS) and curious to hear about personal experiences with this.I am open to company recommendations.

For example, if you are buying the property outright, i.e. no mortgage, that $1000 -$1500 per month goes to your expenses, (utilities, capital expenditures, vacancy, etc.) and the remainder is your net cash flow.

Great comments about marketing and customer reach, as well as the competitive forces working against a FSBO listing.

I have great credit and I am looking into 0% first year credit cards to utilize. 

What will your monthly expenses be for:Any utilities you have to payYour maintenance costsYour vacancy costsYour CAPEX costsYour property management costsAny other costs I may have missedWhat net return are you looking to make on this property?

You should be able to ask the owner about the extra costs (utilities, HOAs, insurance, etc.). 

Laundry leased assets in closet nets 220/yr.Individually metered electric (heaters), no HVAC (standard for that area and age unit), but building utilities run 5k/yr - probably business utilities not being paid - unsure.