I know to subtract the land value from purchase price, but do I include: closing costs, seller paid costs, prepaid items.  

We do plan to return prepaid rent to the estate after expenses, however we believe that we must wait for a probate judge to decide to whom the money will be paid.I'm not sure we should have allowed his daughter to remove his posessions without probate instruction, but it seemed like the thing to do at the time.Note to Minna: The death in a way has caused a bit of a clean-up challenge, along with a real concern about sanitizing the apartment for the next tenant.

I will get them notarize the signatures and supply with pre-paid USPS Priority Mail Envelopes.Thanks Erick

With an actual down payment of $65,326 (20%, with some of your money for the other closing costs and pre-paid expenses), that puts you at a price of $326,634.That's a very conservative number.

I'd look for companies that do prepaid debit cards with VISA and MC logos.

The next home that I bought was a single family owner occupied that I bought with a conventional mortgage and 5% down and a 15 year mortgage, but I pre-paid the PMI.

I think there is a fee if you or they use a credit or debit card.

Once you get the property rehabbed and producing income, that may offset the debit.

I no longer use Cozy because I now use a PM and they have their own software that they use. when I started cozy back in 2016 I had a lot more of manual data entry then what cozy has now. tenants can even pay with debit/credit card but they are charged for it.

But we are about to be debit free.