Here’s a rule of thumb for allocating your cash reserves:1.

Use 50% rule as quick verification, but at your estimated cash flow at the allocation for maintenance/cap ex is wrong. 

(in essence she is borrowing excess funds to help make the payments) $8,312.50 x 36 months = $299,250 allocated to MAKE the payments on the $1,425,000 Note obligation.

Of that 50M, 25M was allocated for the construction of a new recreational faculty that has since been completed.

We will use appraised market rents in both of those scenarios.Typical target closing timeline is four weeks from appraisal payment. 10-14 days for upfront processing and all third-party items to be returned like appraisal, title, and insurance; 10-14 days allocated for underwriting and closing. 

Better return vs risk. compared to the larger more expensive property.What would be a more accurate percentage of rent that you would allocate for maintenance and capex now that you see more realistic numbers from  your properties?

As a new investor I am working to find the right balance of allocation towards Vacancy, Capex, Emergency, etc.

Only $120-180 allocated per month for vacancy, maintenance and repairs?

Then they said that I couldn't get the 10k USD back because "the funds had already been allocated".

Balancing both goals can be achieved through a hybrid approach, where a portion of funds is allocated towards paying down the primary residence while also saving or investing in another property.