You are correct in your assumption that it will impact how low they can go on the down payment, though, b/c commissions will need to be paid out of closing costs. 

Heating costs go up in winter, as does electricity due to the reduced natural light and more people indoors.

There is recessed lighting throughout the unit, I am looking to get about 1,600-1,750 for the unit.

Need something else besides lightly managing these 9 doors. 

Everything on my side was set to close, and then today the seller is refusing to close on Monday as they have not moved a few pieces of furniture they were supposed to get movers for.

I think it's great as it includes warranty information for appliances, type of hvac filter, light bulbs and general maintenance etc 

Maintenance/cap ex, insurance, if a rental PM, bookkeeping, misc.The fact you have a loan means 1) leverage 2) equity pay down.In addition, there are tax benefits.So I will do some rough underwriting as an OO non-rental at 95% LTV (because FHA has some undesired consequences that make the 1.5% difference in LTV worth avoiding the FHA).equity paydown: 20% (using OP interest rate at 95% LTV and not counting closing costs). 

I have closed three loans with The Mortgage Shop.

Smart Home FeaturesAdding smart home technology like thermostats, security systems, and lighting controls can increase a property's appeal and value, especially for younger buyers.8.

So, in reality every month your moving close and closer to sucking out months/years of profits via items aging out, cap-x coming to bear.