As far as FSBO, I would just start cold calling!

Fuel oil and hot water heat is common in that part of the country.

I own a 4-plex in an LLC that has shared water and gas.

Not necessarily looking for RUBS or any sort of utility bill back as this is already in our business plan, instead someone who can come in and identify utility bleed over, and implement cost savings solutions primarily for water. 

Total monthly rental income $2,900 - $1790 mortgage =$1,100-$350 water/sewer/Reserves= $750 net monthly income x 12= $9,000 yearly x 10= $90,000.

We found this deal via cold-calling.

Also, are you paying the water/sewer.

If you are building your book and have extra time to market, I would cold call all of the top agents and mortgage brokers in the area. 

The current owner(seller) pays for the water, gas, and electricity because the property only has one meter.

Talk with an insurance agent beforehand and give them an idea of what you are looking for (price range, style, age, etc) and they should be able to give you a bit of a range (~$50-75/mo) although the final expense will be dependent on what you buy.3) For sure make sure you stock a bit aside for any maintenance issues that come up (water heater, plumbing issue, etc).