Rates in the 4-5% depending on a number of factors. 

(Please note vacation was a factor as it was being processed through Christmas as well, but still...)I will highlight the things we've done:- I hired an architect to create the blue prints to ensure that ALL changes were in accordance with the city guidelines.

I understand CapEx but can you give me a % to factor when looking at these items.

Of course, a true crash will require some external factor, so this could sustain for a couple more years until that trigger happens.http://www.argusleader.com/story/news/business-jou...

@Scott Trench I would think option B would be completely broke trying to carry that debt with 65k in income.I think the best route is to have no debt that isn't making you money other than a primary residence.There are other factors also, what is the investing plan?  

Property management fee is no longer being factored, because you have recouped your initial investment.

You can ask the seller for the number-- The listing agent should have that handy.In my investment area, much of the time they aren't separated and the owner pays (so try to factor that into rent).

I'm sure the rules are not exactly the same, but in Florida the developer is responsible for warranties for about 5 years depending on HOA occupancy and other factors.

(Someone feel free to correct any of this if they have a vested grasp)The three factors I found you can influence would be raising rents, lowering expenses and presenting appraiser with comps that support what your looking to get in the refi.

Eliminating the hassle factor!