I’d hope that the inspection fee and markup would cover the costs you are mentioning.He sells all the renters insurance.  

Hi Adam,The seller pays the seller commissions and (usually) covers the buyers commissions as well so you shouldn't worry about those fees.The 10% vs 20% I feel like is a personal opinion.

I THINK you could probably just expense your deductible if insurance didn’t cover 100%.

We currently have roof done and siding up. 

By this logic investing in a new roof also doesn't make sense.

I need to redo the roof of the house lift up the second floor, the entire front deck of the house, demolish the old stucco, And replaced a lot of rotten wood and messed up beams.does anyone have any recommendations? 

New roof negotiated into purchase.

Does it need a roof and new heating system or just paint and flooring. 

For example, a $550,000 two-flat in Albany Park might bring in $2,500/month from the rented unit while you live in the other—covering most of your mortgage.3.

We fixed the foundation and the flat roof issues with pooling water, and rents didn't meet the mortgage just yet.In 2023, we finally started to cash flow.