Even setting aside $$ for cap ex and vacancy my client can live in one side for way less than average rents.

About $200. per month per unit after expenses, cap. ex etc...   

Also, as has already been pointed out, 5% is not conservative enough to cover both maintenance and cap ex.

Then judge rules on monthly payments for your ex tenant.

The least thread offering marriage advice wasn’t well received. ( For what it’s worth I bought a property with my ex, then married him, and I’m now divorced).

@Chuck Peck You want to look at your cashflow after PITI, property management, cap ex, vacancy and repairs.

You won't be able to refi and get your money back, so make sure you're satisfied with the COC return.I'm skeptical that it needs $0 repairs.Vacancy and Cap Ex might be a bit on the low side, I don't know your area.

There are many Canadians (I'm an ex-pat Canadian living/investing in multifamily's in Texas) on these forums who will be more than happy to help you.

They are some of the most capable carpenters in the world.I have a ex-roommate that was in a very similar way from an auto accident. 

The reason that American Home Shield gave for it taking so long is that they had to order the hot water heater from a remote supplier because it was cheaper than what they could get in town.I don't want to six days without hot water and so I don't expect tenants to do that either.I'd recommend placing the money in a repair/cap ex account instead.