It's expected and common for MTRs to have utilities included.

While it’s common for PMs to switch utilities to avoid service interruptions, the mistake was not monitoring the usage or cutting power to unnecessary areas once the tenant overstayed.

So now we cover utilities for both units and the new tenant pays a higher amount too on the back unit to cover all the utilities with a great profit.  

They had no common sense what so ever.  

hi all i am a new landlord and got my first rental property. tenants moved in in September and October. the first month was fine but when December hit it got extremely cold and the heating is electric. due to poor insulation in the home that we did not know about the heat has to be turned very high up to keep the home warm, however since everything is electric it is causing the electric bill to be $800. the utilities are the tenants responsibility. however because of this one of the tenants has been extremely non compliant with paying rent.

for one tenant it says that the landlord is responsible for utilities, and for the other tenant it says that the tenant is responsible for utilities.

Utilities will be an issue.  

These typically include services like renters insurance, HVAC filter delivery, pest control, and sometimes utility management.

I'd be surprised if the complex doesn't have individually metered units so you may be able to eliminate the utility expenses unless those are for common areas like walk ways, parking lot or laundry.

Are there any strategies here to utilize bank funds for our project?