Hello All,     Ever since I had realized that the 10% rule for CapEx estimation is not always a good estimate, I've done my own estimations as to how much money should be allocated for CapEx in the Los Angeles metropolitan area.      

One way to push back with the Realtor, would be to ask them what expenses were allocated for repairs this year, and what repairs were completed. 

My Cash flow is $300+ and if I a managing the property and handling the eviction as you did that 10% I allocated for management would not exist and it would offset that additional repair cost by giving me an additional $380 of revenue monthly).

Yes you are fine purchasing one or three replacement properties and you can allocate the cash proceeds anyway you want in those purchases.  

I just allocate more of my funds to gold and silver. 

Having multiple property deposits in a single account is usually not an issue as long as you can list where the money is allocated (security deposit) to.Checking account for each business. 

Having the info on the expected income and expenses of the property will indicate that you probably have a good idea of what you are doing and will make the lender more comfortable especially if they see you have money allocated for property management and reserves. 

Or you can look into RUBS where the utilities are billed based on an equation that figures how much should be allocated to each tenant.

Although you could be locked in a high interest rate for the rest of your paying period, at least you can allocate an exact amount every month.

If I knew then what I know now...I would "snowball" my money, just like I wrote in this article:http://www.biggerpockets.com/blogs/519/blog_posts/12767-snowballing-your-moneyThe best part is that you can buy 1 good note, and really not have to worry for a while, until you had enough to buy your next note.I'm 35, and I "wasted" about 5 years of my investing life doing the mutual fund thing / asset allocation / re-balancing crap / stock-picking crap.In another 15 years, I will probably own 1-2 more LOCAL rental properties, a lot more paper, and I will probably have a bigger % of my portfolio in hard-money loans.