I would love to hear about any action the division is taking on this front.Thanks!

You and your tenant can mutually sign a tenant agreement with the Columbus Division of Water, that the bills go to the tenant for payment. 

It's one thing for a multiconglomerate  corporation to have a complicate array of entities for their various divisions.  

Just make sure the profit percentages and division of labor are well hashed out prior to starting the project. 

If she gives push back let her know you provided a copy to the local City Rental Inspection Division and it cleared their office. 

"Missouri is an equitable distribution state, and only property acquired during the course of the marriage is subject to division following divorce."

After this fact, the electrical division's manager came out to the property and admitted to me that when they installed the vent, it was raining that day & rainwater was coming through the vent - so much that they had to get a bucket to contain it. 

I don’t consider things stated by an instructor in a class approved by the Nevada Real Estate Division, as “opinion”.

The loan amounts will drive the wholesale pricing, and flat per loan costs will be minimal relative to those typical loan amounts, short of cross selling this will typically be the best route (as a "median" customer, you really aren't seen by the big banks as worth taking a hit in the mortgage division to cross sell you other financial services, you're just a "median" customer and a number to them).

I don't know what the process would be like to turn an existing structure into a boarding house--but I'd imagine, your larger problem would be with existing zoning, which likely would not permit a boarding/rooming house in a zone where you currently have a single family home.The state maintains information about rooming and boarding houses here: https://www.state.nj.us/dca/divisions/codes/offices/roomingboarding.html but your municipality will have its own zoning laws about what is permissible.