It feel like it's slowly lifting some weight off my shoulders when I do, so I think psychologically its the much better way to go even if the math returns aren't optimized.

In addition, the overall percent is not an asset level percent; it is the entire group the average (likely weighted).

That money has to come from somewhere, so I reduce my offer price and let the seller cover some of that cost.When analyzing a purchase, I also include a monthly allowance in my own pro-forma to cover maintenance and upkeep.  

It's not analysis paralysis you are describing... that generally comes from unknowns (i.e. am I budgeting enough for repairs/vacancies/etc)... the unknowns leave the analysis incomplete and ultimately result in an inability to move forward do to fear.Numbers are numbers, you can only analyze them once... 5 + 5 = 10 and it's impossible to be paralyzed by that analysis.What you're describing is an inability to create a weighted decision process.  

It's really old electric forced air....We looked into solar panels, but the roof of the addition wouldn't support the weight.

I would put more weight on the 6% who took forbearance and now have 4 payments due at once.

If she is trying to weight her "position" to sway you then she is in violation of virtually any HOA CCRs and bylaws.

I'd weight other waterfront comps more heavily than non waterfront.

Surface- Rock or hard surface (concrete/asphalt); If on rock/asphalt put your tongue leg or stabilizer pads on wider pads to spread the weight out.

I suspect that is a little cheap even if he is paying for all upkeep.