Some banks that own property will just flat out refuse to have this done. Some might however allow you to do it, but at your own cost and with the understanding you return the house to the state it was in. In my experience the banks have always been reasonable and accommodated the buyer. I address the issue right up front by including this language in the purchase and sale agreement " Seller to have all operating systems fully functioning at the time of inspections - This includes water, electricity and heat". At least by doing this even if the bank refuses everybody knows up front what will need to be done to make the inspections happen or now that the electricity, heat and water will not be on and decide if they want to proceed from there. If you are already in a contract and ready for inspections to happen you might have lost any leverage you had to get the bank to do anything. It really comes down to is it a great deal and do you want to risk the possible problems that might arise without having power or water on if you choose to move forward? If it is a good deal banks know it and also know that some other buyer is most likely waiting in the wings ready to jump in if this deal goes south. If the bank is being unreasonable this might be a reason for it. I hope this helps!