The home is selling for $99,900 and I will be renting out the rooms to University Students for $575 each with all utilities included-trash, water, electric, wi-fi.

Just needs new kitchen and bathrooms, appliances (not sure about home systems like furnace and electrical though). 

If it’s older you may deal with boilers,casement windows, outdated electric, outdated plumbing, etc.

There is not the time or opportunity to do a full inspection (water and electric are turned off) so I need to assume everything.Here is my somewhat rough estimate on the rehab.It is possible that I could rent it out without full bath rehabs and maybe the roof can be repaired. 

In my experience, retail buyers AND appraisers overvalue nice kitchen and bathrooms, and undervalue less visible items like plumbing, electrical, age of roof, windows, etc.

Look it over, especially for things like type of electrical wiring, heat-does is include all rooms, and old termite and dry rot damage. 

Electrical, plumbing, and heating are not split between upstairs and downstairs, though downstairs has in-wall cadet heaters.

Would you say would be the three must do renovations that help reduce my electricity and heating bill building wide?

Is there a separate water/electric/gas meter?

Through the years I made improvements, but by 2005-2006, it needed new electrical, plumbing and 3 new bathroom, probably running me $50K to $100K.