Of course we cover some of that, but that's usually one page towards the end of the book. 

Our supply of homes for sale on the MLS has been steadily increasing for several months, so I don't anticipate that price will start to increase until later in the winter.Right now is a great time to buy, with less competition it's a lot easier to get seller concessions to cover closing costs and interest rate buy downs.

Year 2 had some large expenses, including some CapEx items (water heater, roof).

The terms you are looking to offer definitely appear reasonable and you should be able to get these offered out under a white label or table funding (maybe not all those terms at once, but likely covered through different options/programs, even with one lender)

A HELOC can be flexible, but ensure you have solid cash flow to cover repayments. 401K loans carry risks like penalties if not repaid on time.5.

Covered parking for 8 vehicles. any thoughts on agent or non-agent?

I also liked the fact that it was structurally sound with concrete block construction, a tile roof, and high elevation.

Since your friend covers utilities, this offsets some of your cost.

Covered parking for 8 vehicles. any thoughts on agent or non-agent?

I've used it as a reference point, the reason being is that the 70% rule doesn't cover the amount of time it could take.How we buy properties is what is our cash on cash return?