Combined, there are 22 beds and 8 bathrooms. 

This is quite a unique situation..

In the next three months, we are in a unique situation and I will be more liberal with rent concessions. 

The combination of those increases the probability to create candidates for direct mailings.

This was a unique situation because the previous bank's lease was through 3/31 but they have moved out. 

In general, you should expect that the combined amount of what the insurance paid you already and what they'll pay once you prove that you had the work done should be in the ballpark of what the repair costs...

., I appreciate your conservative approach.15% combined (7.5% each) for repairs and CapEx is probably enough.I haven't talked with a HML lately, but I was seeing rates of 12% and 2 points.How much can you push on the purchase price?

Do you use one method that is perfected, or do you use a combination of a couple different strategies?

The combination is scary. 

But Baltimore for sure is the highest cash flow I work with, and I'm with turnkeys and BRRRRkeys (combines the BRRRR and turnkey methods- they company still does the work but you keep the forced appreciation from the rehab, catch is you're financing the work upfront before you cash-out refi it).