. - Evidence of water damage in the basement. 

What is the cost of an HVAC system vs. a heat pump vs. forced hot water vs. baseboard and what is the cost to the tenant? 

But you're buying in a high appreciating area so it may be worth having renters water down your principle while you appreciate.

This includes incentives for green building practices, renewable energy adoption, and water conservation measures.

Usually as long as their are no life threatening issues (no HVAC, windows won't open, no hot water), the housing authority will began to pay the rent and give you time to address the required repairs.

@Rochelle GerberWhat you're experiencing is pretty standard with hard money lenders asking for 20% down, especially in today’s market where lenders are cautious. 

Just to add ,  not every inspection covers a visual of the septic tank . if they run the water and all mechanicals, they are working fine . other than a visual there are no signs of it not working . 

Southern border of the land is Wilson Creek (a large, well established, full time creek with old growth trees)Approx 1 acre of non-recoverable flood zone along length of creekTwo small ponds on the property, which can be filled in to utilizeSmall neighborhood to East of property line with utilities ready and available for project Currently a couple of older homes and barn structures on property (100% liveable and well maintained)Wilmeth Rd is currently expanding down the block to a 4 lane road which connects to Highway 75 in McKinneyLarge developments are underway within a 1/2 mile to 3 miles out radius<4 miles to Costco, ChickFilA, WholeFoods, Cinemark, major hospitalAT&T Fiber and Atmos Gas at front of propertyA water well can be run, if desired, or tap into the city's water (currently on city water and has large main at front of property)A CE firm has drawn up plans for a small, 12 home, 3/4 acres development.

Jack Milleryep, it's the part of the RE iceberg that's under the water.

With rates as high as they are and RTVs this low, I'll probably barely breakeven (if that) if I did standard 80LTV.I like cash flow.