Lot of good house in east side of the bay is setup for a good house hack and it is still way affordable for Bay Area standard lol

You have your standard two-family layout.

@David Braut12% interest + 2 points and fees to draft documents is around industry standard.

As others said, the disclosure is key, but if it's been on the market for 30 days or more it means that all of the experienced investors in your area have seen it and passed so you should too.You have a point there, but maybe it is possible that the experienced investors have higher standards of what they want in ROI than a beginner investor? 

If you want cash flow with a standard 25% down payment you will want to look somewhere else.

Hi, For a rental,  I have kitchen counter tops which are laminate and bathsinks/counters and bathtubs etc are standard builder grade.

It is the industry standard at least in NYC.I am only looking at it at as Accountant perspective.

If this is normal, is there a typical industry standard mark-up?  

In my experience, it's always been a coverage that came standard with the landlord policy. 

That being said, the last thing I want to do is install shower heads that don't put out enough water - thereby creating an annoyance for my tenants.It sounds like the current standard is for most shower heads to put out approx 2.5 GPM (gallons per minute).