The $10k will be used for the Earnest Money Deposit, and subsequent closing costs.

In Texas, contracts are only terminated when a buyer or seller prepare a termination of contract form and a subsequent release of earnest money form is signed by all parties.

It would make sense to use an Insurance Company that is Mutual, Participative and Non-Direct Recognition ( I would highly recommend one company) to maximize the performance of the cash value and subsequent use as collateral for any purpose, keep in mind, we are talking about Whole Life, Whole Life DOES NOT HAVE SURRENDER PERIOD, VUL or IUL does and that is another story.Also I personally don't believe in the "buy term and forget the rest" strategy, term can be very useful but not as a stand alone solution.   

In subsequent years, the annual tax becomes due on the 15th day of the fourth month of your taxable year, which is generally April 15."

Is $20 for the first animal, $15 for subsequent animals.

Vacancy rate is the percentage time that you are not receiving income from the property because you don't have it rented. 8.3% is equivalent to 1/12, or one month per year that the property is not rented and therefore you are losing income.You can configure each year as you wish...I assumed one month the first year (8.3%) and then slightly less in subsequent years (7%) because you've gotten the property into rental condition already.Does that answer your question?

@Trevor Riley this is an interesting question, because I think a lot of people (myself included) are experiencing challenges that they weren't experiencing prior to the rate hikes, and the subsequent significant shifts in the market.For many investors, agents, mortgage brokers, etc., the last several years in real estate have been relatively predictable and relatively easy to navigate.