Estimating Rental Costs (Utilities)

[Paul Hamilton]

Hi all, I'm running each multifamily property in my area through the rental calculator as practice (while also looking for a good deal) to buy my first duplex. I'm not entirely sure how to calculate numbers. The "Help" link has been useful in some areas but others not so much. Here's what I'm putting down.

Closing costs: 1.5%

Interest Rate: 4% 

Property Insurance: I've just been putting $200 a month. 

Repairs & Maintenance: 10%

Vacancy: 5%

Cap Ex: 10%

Management Fees: 0 (as I will be living in one side)

Here is where I really struggle:

Electricity: I leave at 0 because the tenants will pay their own right? How do I find out if there are two meters?

Gas: I leave at 0 for the same reason above. 

Water & Sewer: I've just put $100.

Garbage: $0 as I imagine they would pay their own. 

Other: $0. 

I'm a total noob at this. Just trying to learn. I really don't want to have to call the utility provider for electricity, water, etc. each time I run the calculator. Is there another way?

Thanks for any help you can provide.