I'd say you're still justifying the costs you claim, however you want to bill it, I'm not seeing anything contrary, I can agree with many of your points, not so much, except;#1, HUD guidelines are the base line as to what is acceptable, not saying there can't be variations nor did I say they were illegal. #4 is rather a silly argument but I get your point.

Or if you're dead set on using something else, try a variation of your initials.

Also in Michigan and most states that use a variation of the International Residential Code, you must use a scald proof (pressure balanced) tub & shower valve.I wish I could help you with the "bandits"!

The formula we use to calculate ROI is as follows:ROI = ((Income - DebtService - ManagementFee - Insurance - RETax - PeriodicFees) x (1 - StateTax)) / ( DownPayment + ClosingCosts + RehabCost)While there could be dramatic differences in factors like maintenance, vacancy rates and such, I will keep it simple and only show the impact of variations in state income tax, property tax and insurance.Below are details on the example property I will use:• Purchase price $150,000• Rent: $1,000/Mo. or $12,000/Yr.• Financing: 20% down, 4.5% interest, 30 year term.

@Allen Omar   There are huge variations in those zip codes.

As a matter of fact, you may want to have a few different variations according to who is getting it.One for you.

I am NOT an internet investor and I use this rule and many variations of it as part, not whole, of my analysis.

Variations in income for any group of half a dozen randomly selected people are almost certainly larger than the $8,600 difference implied by this data.Further, the income impact from college for US males is the greatest of any of the other data points in this survey.

Every county is set up a little different but once you get familiar with how the system the county that you are looking in works, you can go through it in a few minutes every week to see what's interesting.Generally you are looking for a Notice of Default (NOD, the code could be some variation).

There are plenty of techniques regarding the mobile home industry, however most will centralize on doing a "Lonnie" deal or a variation thereof.