Add on management fee, maintenance, cap ex., vacancy and utilities not paid for by your tenant.  

Ex.

In 2014 I found out my ex wife cheated on me in late 2012 with the counselor I had been paying to help her beat addiction.

I'd rather put that premium money away now that I've learned about cap ex from Bigger Pockets.Now of course, this is just my experience so far, and there's probably much better companies out there, but I'd rather not spend on premiums that don't get me very much, if I don't have to.

And what about capital expenditure (cap ex), over time?

No repairs needed cap ex at 1500 a year

Higher crime rates seem to be a feature of many towns that are dominated by the military (ex.

What are you including in your assessment for management, cap ex, maintenance, and vacancy?

For those investors with 2-4 family homes in the Rochester, NY area, what are typical Cap Ex and Maintenance costs you've seen over the years?

You will want to make sure you are budgeting a decent amount  for repairs and cap-ex expenses.