I ran the BP Rental Calculator with the assumptions:Vacancy: 10%Repairs & Maintenance: 10%Capital Expenditures: 10%Property Management Fee: 10%Annual Income / PV / Expenses Growth: 0%Sales Expenses: 0% Having never bought a unit, I could definitely use any insights into the assumptions for this area.

I have no debt (besides nominal credit card expenditures which are paid off at the end of the month), 786 credit score, plenty of money for a down payment and reserves but what are my other options to getting a loan?

@Allen Li So, its all relative here...for the specific question of maintenance and capital expenditures I would say first off just be sure you are aware that capex is not an operating cost...its a set-aside.

I didn't want to keep coming back to the site so I created a Google Doc and a Google Form to help speed up the analyzing process.From what I gathered it looks like knowing the following items will help: PURCHASE AND LOANpurchase price, closing cost (2.5%), down payment (20%), annual property value growth (appreciation at 2%), loan amount, interest rate, points charged, and loan term.INCOMEgross monthly incomeMONTHLY EXPENSESproperty taxes, insurance, repairs & maintenance (5%), vacancy (3%), capital expenditures (5%), and management fees (7-10%) From there I calculate the total income, total expenses, and the mortgage.

Are you prepared to continue to invest in your business, or is this a one-time expenditure and then you're done? 

Thoroughly look into the HOA and future capital expenditures.  

One large capital expenditure and all of the cash flow for 2-3 years is wiped out.

With the separate Reserve or Escrow Accounts, did you have one account that you put Maintenance, Vacancy, and Capital Expenditures into, or separate bank accounts for each one?  

Now, I am running a tight budget for my rental, so I have to watch certain expenditures.  

I self manage about half of my properties and our net rental income covers our monthly expenditures, so my husband still works.