Next, IF you have access to private funding (family, friends, colleagues), THEY would likely charge less than HML Interest Rates for any balance still needed.

Basically a conventional, 30 year amortization which fixes the interest rate unlike a Heloc.

There are rent comparison tools that will make sure you're charging the right amount for your area.

Unknown cost on water/sewer/garbage, but I believe those charges are included in rent. 

I have a realtor who is charging me 5.5% for selling the property once the fix and flip is done.

The chances are very low without the bond, also most contractor's bonds cover negligence and fraud, the "performance" part usually falls under negligence aka leaving a project unfinished, charging too much, etc.

It's my understanding that even here in Hampton Roads, VA, it's not unusual to charge a potential tenant more if they want a month to month lease instead of a one year lease.

New York Security Deposit Limit and ReturnNew York state law does not limit how much a landlord can charge for a security deposit.

Most will charge $100-200 + filing fees in your county. 

FHA, conventional, etc.