Maintenance/cap ex, insurance, if a rental PM, bookkeeping, misc.The fact you have a loan means 1) leverage 2) equity pay down.In addition, there are tax benefits.So I will do some rough underwriting as an OO non-rental at 95% LTV (because FHA has some undesired consequences that make the 1.5% difference in LTV worth avoiding the FHA).equity paydown: 20% (using OP interest rate at 95% LTV and not counting closing costs). 

Does anyone know if BiggerPockets has RE agents who specialize in land purchasing?

Did you work with any real estate professionals (agents, lenders, etc.) that you'd recommend to others?

Always happy to help a fellow investor/agent!

Attend local meetups, analyze at least five deals per week, and connect with investor-friendly agents to position yourself for success.

I own a mortgage company and 99% of our borrowers do close their rental properties under their LLC.

Connect with a local real estate agent and run the numbers. 

I've been a licensed agent here in Maine at the Augusta-based Pouliot Real Estate for the last 2 years, but began my real estate career in Savannah, Georgia (my GA license is currently inactive).

Crexi, Loopnet are probably the two biggest but why not work with an agent that can present you with multiple off market and listed deals?

Educate yourself on the local market, network with other investors and agents, and always have a solid plan in place before making any investments.