Many banks have a maximum on the residential notes they can see, then they require to bump you up to the commercial stuff. 

To really make a final decision, we would need all the details.Can rent be bumped up without kicking the tenant out?

These are very significant bumps and very good news for our underwriting assumptions.Bad DebtWe are writing down about $2,500 of bad debt.

Thus...usually for our flips, Demo starts fist... so we'll pay in this manner:DEMO BUDGET: $6000- to start: 33%: $2k- progress payment: 33%: $2k- complete: 33%: $2kFLOOR INSTALL: $8000- to start: $2600- progress: 2600- complete: 2800this way you eliminate any grey areas, and usually contractors save so much for the end, and if you pay against the total, the budget will go through the roof!

Unless you are 100% sure about the current owner's level of upkeep, I'd bump the capex and R&M to 10% until you get a handle in things.  

The funny thing is that the cards that you don't have any balance on, or don't hardly ever use, won't usually give you much of a bump.

And also if all things go terribly (like the above scenario of -1517 cash flow), if you'd be able to hang on to that until it appreciates or until you can figure out a way to bump the cash flow.

Use 8% for vacancy and bump your percentages 

So last September I was reached out to our CAM, saying that I was bumped back to 3rd because this specific owner (also board member) was not happy with his spot.

Yes mtg rates have been bumping up, and are expected to continue into the 1st quarter of next year.