.$150mo @ $7k, $55mo @ $2k, $27mo @ $1k, $35mo @ $3k, $40mo @ $4k,$25mo @ $1k, $47mo @ $1k, $67mo @ $2k, $25mo @ $1k, $25mo @ $1k, $45mo @ $1k, $80mo @ $4k, $25mo @ $1k, $80mo @ $2k, $102 @ $4k, $110mo @ $4k, $90mo @ $2k.Loans - $470mo @ $10k, $591mo @ $15k, $270mo @$3k, $650mo @$30K (not in my name), Kid’s School -$900 monthSchool Loans - $785 monthCell phones - $200 monthPersonal loan to Dad - $1,000 month, $28k left.Cars - $730 @ $31k, $330 @ $17kCar insurance - $150 monthCable/Internet/Gas/Electric/Water - $500 monthINCOME = $7,300 monthBoth at 600 credit scores.We spend $10,300 per month above,we have FT jobs and drive Lyft make bring in $7,300 month.

I agree with your question about any building repairs, especially any major ones. 

The "need some work" ones don't bother me as I am handy and don't mind building a network to repair/improve the property.

But if someone does manage to damage it, individual pieces can be replaced instead of having to repair the entire floor. 

The next day, he was still there and he blocked my phone # so I couldn't contact him.

How are you estimating the repair costs?

The estimated repairs are around 10k.

save up that initial 20% for a conventional down payment, have another 20-30 % for repairs and emergency funds.  

B) The real estate team I work on pays for phone numbers by geography, not necessarily probates, absentee owners, etc.

@Dylan B. lesson learned on that part, all her contact phone numbers are no good as I failed to update her original application information over last six years.