Due to my limited income, this could even remove the option of low down payment just for me to see an acceptable mortgage payment. 

This is somewhat a loose metric for our current business model. 25% is just a arbitrary number with no science or data to support it.

After everything was fixed and they listed the unit, apparently they claimed that I was not allowed to have any understanding of who would be renting my home due to potential bias and discrimination (this is the first time I have not been able to view applicants general profile (credit score/occupation(removing any identity markers)), but fine, I let them choose the tenant and so far there hasn't been any issues.

If you ask the manager to justify a fee and he starts hemming and hawing, move on or require them to remove the fee.

. :( Should the work to remove the mold happen asap?

I wish BP removed that metric from its calculator.

I heard that the waiting time for a court trial is 5-6 months and another 2 months for having the sheriff to remove the tenant (only one police office in the whole city of San Diego to execute the writ of possession now).

The asking was $679k (still is listed as we were in no rush or need to remove it.

Some specific examples include careless installation of vinyl flooring in our kitchen, resulting in irreparable damage; leaving an exposed nail in remodeled kitchen cabinetry that scratched our new range; installation of bathroom sinks with improper plumbing connections; and multiple instances of failure to remove cigarette butts, food trash, and construction waste from our property.

Yearly Expenses Amount Amount per month Loan @ $400k $ 25,308 $ 2,109 100k Note 8 years $ 15,192 $ 1,266 Taxes $ 3,700 $ 308 Insurance $ 1,300 $ 108 Snow Removal $ 1,140 $ 95 Maintenance $ 2,000 $ 167 Total $ 48,640 $ 4,053 I would manage it myself.