-I actually understand where this idea came from, but your memory fails you.

Understand the fees involved and calculate the total cost for an entire year of management so you can compare the different managers.

Seller is understandably getting really upset, because what the bank is asking for could take weeks and we were already supposed to have closed.Any adviceAloha Leah, this is very common as the other lender stated above.

@Stuart Udis I understand the importance of having the funds for repairs, vecancy and any issue that may happen.

If you like to be risky with your capital maybe try putting it in some index funds, crypto, or stocks that you believe in and understand and then take it out when its made a good return and then use it for the downpayment.  

I would look for an experienced agent of my own who understands what is standard for your market.

This is completely understandable that folks don't want to move around in the cold/ winter.

Network with local investors to understand what formulas they're using.3.

Life started moving fast as many probably can understand and I completely fell of track.

So as I understand it, repairs/maintenance is fully deductible the same year but major improvements have to be depreciated.