The standard items like loan amount, interest, timing, the property, late fees/penalties, etc.

The home uses 2 natural gas heaters (dyna-glo 3000 BTu), house was built in 1950 (older homes used these gas heaters as a heat source in the area) and is in the upperclass area where newer homes have been built and continue to be built ( which newer homes have central heat) , I just had the appraisal come back to the lender is saying that “” Appraisal stated The heaters aren’t normal for the area this is a comparable item The subject property doesn’t exist the area and/or comps used” so the underwriter won’t approve the refi , what do you guys think my next move should be?

Assume 2000 sf of flooring. 2000 sf*$6 sf=$12000/10 year life span/12 months in a year=$100 per month for 1 item in a capex budget.

Get a knowledge base of what rehab costs are for the respective repair item - the more experience you get, the better you'll be at it.

If you're holding the property for awhile you should probably allocate some of the income for those items.

Our biggest beef with section 8 in the OKC metro is the length of time it takes to get an inspection and then the wide range of items that some inspectors will pass and others fail. 

Learn to scope out the repairs/issues from tenants to determine if it is a major or minor item. 

@Chris ButlerI do $20 card for a pizza place with their welcome basket of useful items and $50 at Christmas.

The major Cap Ex items you identified are a concern.

For example, if a new roof would cost $15,000 and last for 30 years (both completely hypothetical numbers), then you'd need to save $41.67/month just for that one item.