Some are even building HUD homes with 2x6 exterior walls, radiant barrier roof decking, a full house moisture barrier, low-e vinyl windows, extra roof/wall/floor insulation and high efficiency HVAC systems.

This time I took photos of them breaking all the house rules-leaving 1.5 hrs late, extra guests, spilled liquids on the floor and some unknown substance staining the sheets, photos of a cigarette box, cigarette butts, cigarette ashes.

Be prepared for extra expenses on the interior part of the home because of the non conforming shape of the building that creates alot of customization for trim, drywall corners, cabinets, built in's, etc. 

So if they remaining loan is $160,000 like you said, $10,000 is my available cash, but I wouldn’t use that $10,000 as a down payment, they would use the extra 15-20% over the 20% threshold of my original home’s equity of $40,000 as a downpayment for new home correct?

You can earn around 8-12% (California market) plus 1-5 points. 4.

The wrong kind of roommate can negate any savings/earnings due to repairs. 3.

Those of you that are self-employed and therefore responsible for withholding your own taxes, how much of your earnings do you stash?

I'm having my resume rewritten but don't expect to earn more than $35k at a regular job (but I need some decent health insurance).

An Extra security deposit?

Sounds to me like they are trying to gain 30 days interest on all collected rents , however depending on your contract with them any interest they earn on your money is your interest .