One month of vacancy will cost you $2,400 for the mortgage and at least $100 for utility.

Cap ex, maintenance, insurance, landscaping, utilities, taxes, etc.  

Once it goes over $100,000 then most banks start caring.And I have one bank that most of the tellers will not take my checks, but two tellers will, so I sometimes wait around utill one of the check friendly tellers are available.

They have a property management branch as well, so I am also utilizing them for managing the property.

Also, if I'm trying to rent them out as separate units in the future, how do I divide the home into different addresses (ex 100A Main Street and 100B Main Street) and split utilities etc. with the city?

Your partner that has time and knowledge but no money is out there heck I know a few but it is a relationship that requires trust and trust takes time and 1 on 1 interaction to build. 

I also have at least one contact in all of the local utility and government offices, I have most of the building inspectors already saved in my phone and if I were to need any additional contacts there is a list of people that know me professionally I could call to ferret out said contact.With this stage set I'll say that I was recently laid off from my job. 

There is a crawl space where all utilities are separate (gas/electric/furnaces/water heaters).

Research Research Research- hidden taxes or high utilities could make or break your purchase

You're not accounting for any utilities.