Technically to find out all the different types of portfolio loans you would literally have to call every single bank (there are 15,000)...so most investors either choose to have a mortgage broker at their disposal or some good local banks in the area of their properties. 

I’m not sure if that was including removal and disposal of old flooring or not.

Then you can trace back the path the the property you're concerned with and your excel proforma can tell you if and when it's time to dispose. 

. $225,000 tax free gain is about $60,000 in savings if you factor in Fed/NY/NYC tax rates.Co-op's are annoying as personal residences as you have to pay a monthly maintenance fee on-top of your mortgage.There are so many restrictions as you pointed out with not being able to get a HELOC.You open yourself up to so many options with all that equity as your disposal. 

The returns are therefore a little lower, but it is a great property to have for a first time property manager that does not have a lot of disposable time to dedicate to management.

“cabinet damage in the kitchen-Garbage disposal - sounds like something is stuck in there-Smoke detector missing-base board in hall damaged-Wooden floor lifted is hall way, dark spot near kitchen-damage behind bathroom door-base board and floor damage near bedroom door-paint damage in bathroom-bedroom closet door damageAlso, carpet cleaning.

If so, what would you charge as a “disposal/cleanup fee”?

We inherited a new tenant from the seller, tenant just moved in and making a list of complaints - light bulbs out, food disposal not working, and the latest is plumbing in the bathtub.He then went ahead and got a plumber to fix the issue and proceed to send us a bill of $350.

.- Move these items to storage for one month- Notify tenant that items will be disposed of after one month- Begin the turnover process after removal of the tenant's personal belongings

This involves plastic sheeting, fans, bunny suits, and a place to dispose of the stuff you tear out.