It is necessary to allocate the time though.

"The risk that the lender would be left with the home instead of the stream of payments if the borrower defaulted, for any reason, is one that is allocated to the lender under such a contractand2

Besides that with basically every home built prior to 1980 will have some foundation issues because of the clay soil here in Texas, it's a given to allocate for problems. 

I guess in short, my wife and I have allocated $5,000 to building my flipping business and I've exhausted half on a crappy list with an apparently crappy type. 

My name is Andrew, a current investor/blogger looking to start building my assets and reducing my liabilities (I'm fresh off the book "Rich Dad, Poor Dad")I currently work at a company that offers a very handsome "homebuyers program" which offers about $30,000 to be allocated towards the purchase of this across 10 years of "bonus money" (which becomes taxable income) ($7500 upfront total and $2500 for the 9 years after) allocated to employees as long as they meet these three conditions:1.

While the allocation of scheduled payments between principal and interest changes over the life of the mortgage, extra payments go entirely to principal, no matter what stage of its life cycle the mortgage is in<This part is me writing>This discussion also revolves around personal finances, liquidity preferences, your access to projects with higher yields, and your taxes.  

Commercial is more complicated because there are square footage allocations and other influencing factors involved.As with most items in the tax code, you can try and deduct anything,(which I neither do or suggest) but the question is - can you substnatiate it?

From that saved money monthly, I allocate: mtg ins taxes cap ex savings business profit, etc. after all of those are satisfied, I'll take the remainder to a rounded amount.

What is a good way to determine how much I should allocate from monthly income to the repair fund and capX fund in terms of a good percentage?

. $12000 gross rentX 70%= $8400$8400-$3828 taxes-$900 ins---------------$3672 for debt incomeYour amount allocated for debt is around $300/month.So you would finance roughly $55,000.