I have a comprehensive lease with all my tenants that states they must pay for utilities but not specifically that it will be divided exactly like this. 

If you're just looking to lower your payment, then take the total costs its going to take to refinance (at the very least 5k) and then divide that by the monthly cash flow improvement you'll have by getting lower rates.

Convert the annual premium to a monthly cost (divide it by 12).3.

He simply posts the water bill, then divides it evenly between the units.

Essentially, this is simply sum of Total Payment divided by Cost Basis.  

I was also told that the LLC interest has to be divided based on the capital contribution and cannot be divided based on the work, for example it can't be a 50/50 partnership if one puts all the money and the other does all the work.Any additional insight or leads would be helpful!

I like to divide my refi amount (75% ARV) by the interest rate.

Yeah...I think the divide my zero issue is slowing things down some.

There is a divide here, with most houses in Alpena under 100k, and lake houses outside of Alpena many multiples of that.

We are a nation divided as Rich pointed out above.