I guess you could develop a second cleaner-helper-handyman as backup.There is an insurance coverage issue that I don't worry about because I have umbrella policy, but you might.

In 9/10 cases the lender will require a certain DSCR or "Debt Service Coverage Ratio" to be met.  

Usually they also require their official name to be the mortgagee on the insurance.Recently I received letters from a mortgage company for 3 of my properties where my purchase price was less than $100k each, but they want coverage for at least $160k. 

Affordable, good coverage and an internet based system you can use to add/drop properties. 

- Regarding liability, definitely consult an attorney and or insurance agent regarding the type of coverage you need.

That's why they won't (or shouldn't) let you use all of the NOI for debt service, and have a DSCR (debt service coverage ratio). 

The coverage you may need is:1.

Fence repair, yard repair and mowing when its empty, siding and all exterior coverage, and it includes your insurance.  

However, I think a potentially serious logic error make be in the Wholesaling Calculator (which is needed and should be maintained).For example a rental wholesale can be measure by any one of the following:- Cash-on-Cash (cash purchase)- Cash-on-Cash (loan purchase)  **note: I have not figured out a logical approach to this one yet- Cap Rate-with-Purchase (NOI, 50%-Rule for expenses, and market rent [cash purchase])- Cap Rate-with-Loan (NOI, 50%-Rule for expenses, market rent, Cap Rate, and debt coverage [leveraged purchase])I have a rudely designed spreadsheet to do all three (3).

Minimum cash flow targeted generally relates to what the bank (small commercial bank) has for debt service coverage ratio requirements.