@Ralph Chiaia, You're in a tough position. 

Taxes can come from the county's tax assessor website, insurance you can get quotes, utilities typically should be on the tenants unless you're buying and MFR but if you have to include utilities you can do some digging and get more solid numbers than just guessing, and PM you should be able to know. 

Thank you all for the contribution to this website to assist people like me, hope to hear from you all!!

If you feel that the rates you have are good, look at the company websites to see what agents represent them the states you have properties.

It seems that only a 4Plex has the potential for positive Cash Flow while you occupy one unit.  

I would refi to a conventional and drop the pmi as it sounds like you got 20% equity position.

Also to note is that Clark County has a positive growth rate.  

The 3k might be worth every penny if he provides valuable knowledge and puts you in a position to make money for the rest of your life.

Helps just knowing what position I’m in going into this type of situation. 

Sure but BP doesn’t allow us to post phone numbers....a quick google search of their names you can find their website, they merged with the BDO.