They don't get it that they're leaving big $$$ on the table, not to mention that they property is now under valued and not worth top dollar.

We have just made our first claim after major water damage in a rental.

Essentially, any rehab property is pretty much off the table for either the VA or FHA.

Properties in good condition that are priced right are going to sell quicklyThe one caveat with a HUD home as there can be a small issue such as a faulty shut off valve that will prevent a buyer from activating the water and prevent an owner occupant from obtaining an FHA,VA,FNMA loan and thereby drastically decreasing the pool of buyers and thereby creating opportunities for investors. 

Are all units run off one water heater, or is there one for each unit?

They will know what the average is for water, snow removal, repairs, janitor, etc.  

Are these dangerous waters to wade through?

Auto-Owners will write really well in central, but hard to through underwriting (walk on water type business), Universal will do a great job just about anywhere in FL.  

Good morning,I have a fourplex I pay water and sewer which is annually ~$3300.  

I order a Municipal Lien Certificate from the city (confirms if taxes are outstanding as well as water, betterments etc) I used to do the title exam myself but the national title company want a third party because they would also have malpractice if anything is missed) I review what they send me and make a judgment as to the marketability of the title or if there are any other issue so the mortgage company is in first place (so I would order pay offs of any current mortgages or judgment liens, etc)Most of the registry of deeds info is available on line so I can double check or do a preliminary search (or anyone can search for that matter) As for getting copies on line, you usually need to be registered and have an account because they do charge by the copy.