Is gas/electric direct billed? 

(I have some extremely high quality electrical in one of my houses though...!)

All new windows, plumbing, electrical, roof, water heater, etc.I have to respectfully disagree on this.

I just bought a house in Laurel, MD with a brand new, never used white electric range.  

Agreement:  PP:  $160K - $180K (still being negotiated)Down Payment:  $15-20K (still being negotiated)Expenses: Taxes $ 4,305.00 Insurance: Property $ 1,500.00 Insurance: Mortgage $ - Maintenance Snow Removal (75 / storm * 10 storms) $ 750.00 Landscaping $ 250.00 Pest Control $ - Other Repairs $ 2,000.00 Marketing / Leasing Fees $ 1,500.00 Legal $ 600.00 CPA $ 500.00 Utilities $ - Electric $ - Water / Sewer $ 1,200.00 Gas / Oil $ - HW $ - Waste RemovalNote:  Comps for 4-bedrooms homes in this area, are comping out right at $160-180K.  

They will be hot on your project and then you have to bug the crap out of them to do anything.

Electric or Gas on the second floor ?

I am currently working as a control engineer in building automation, with experience as an electrical contractor from previous employment.

But in any case it's important to manage in a professional manner. ie documenting everything in writing and no cutting off electricity, etc. 

If you get 5 quotes, 1 will be high, 1 will be low and 3 in the middle.Also, most insurance companies who will write a 30 unit complex will not write small (4 units and under) properties, so don't make any assumptions on premiums based on small properties.In this market, all insurance companies are really scrutinizing the age of the roof (older than 18 years can become an issue) and want to see circuit breakers for the electrical.