The great place to start would be to connect with a mortgage broker and have them assess your Income vs Total recurring Debts, along with your credit profile.

You may be ahead of your reserves for a year or two, but quickly can fall behind those your reserves, as budgeted.I take a very conservative approach, but not only budget all recurring items, like landscaping and snow removal, but also take the replacement cost of every item divided by the useful life (both physically and aesthetically) and budget that as well.  

Recurring Toxin Issues.

I think that's a long time though to hold a consumer out, but I also know some brokers who hold that time period out longer so there's recurring business fees. 

This is a different amount than the amount of cash we need to bring.The list of items we define as closing costs are the items on HUD-1 form that do not recur. 

It’s for small ‘mom and pop’ operations that allow you a few more options - such as SEO marketing, recurring bank drafts, etc.

I wanted to get a handle on what recurring expenses I will be encountering there.

So it would do you good to see what your total monthly pre tax pay is compared to all of your recurring monthly expenses (credit cards minimum payments, auto loan, etc).

As the investor, I take what my daily periodic holding costs are (which include interest costs, utilities, property taxes, insurance, any recurring monthly payment to hold the property) and total that.

Non-recurring property expenses may be added back, if documented accordingly."