Get a firm quote before committing.If appreciation is low, ensure rents are strong enough to justify the effort. 

We are in a constricted market cycle, low volume, strained budgets, high costs.

@Bonnie Low this is great info and exactly what I was looking for.

I'm talking about tax season! 

No debt, they bought this place for like 200k in early 90s, quite old people. im not sure if they will be alive for the 7yr term but they chose it..The reason im putting so much down is im buying w gift money and i want low monthly payments.

If we keep going the way this administration is doing it the lows will be less low, the uncertainty less uncertain.

If my spouse wasn’t opposed to moving I would try to buy a new house hack every 12-15 months and use low down payment owner occupied loans for as long as it made sense.

I've never had something that low, but I'm also looking at roughly $30k in equity on this property. 

They said that was too low for them, so I offered $175,000 and they accepted. 

IF my numbers are truely "too low" I just looking gain confidence in how I am analyzing properties and estimating repairs.  1710 10TH AVE N, 37208: https://docs.google.com/spreadsheets/d/1B0CoSbGxQFbRBVzXBERw...6121 Southampton Dr 38119: https://docs.google.com/spreadsheets/d/1a3WBEcgv2SMggu5P2HrK...2014 Salem Mason Dr, 27208: https://docs.google.com/spreadsheets/d/1Jzr5TN9PYhuiFuD2THLb...Spoke with a seller yesterday, before I go with these numbers I thought it best to ask for some guidance.