There is no cap, or rule, or extra tax for posting a large gain in your IRA.

If that extra $4,000 doesn't make it a deal for you, you can still walk away. 

I'd rather have just a decent place with all the extra in cash-flowing rental property.  

I have been known to buy extra on those sales. 

It does look like some data mining based on key words, a link here, county records there...Always trying to sell you something extra... 

Then I asked, how much are you putting out extra per month?

But fixing things quickly maybe keeps the tenants for an extra lease, which is worth it as well.

My question is, will it be a better decision to put 20% down on the property I purchase in order to avoid PMI; or to put 5% down and use the extra cash to potentially line my self up for another acquisition in the near future?

But, if there is a possibility of a short fall....HOA/other debts that can't be negotiated out with the bank ( the lender will only contribute a set %) you need to be prepared to pony up some extra money above and beyond the purchase price. 

I think the advice of billing them early but giving them time to get the extra money together is a good way to proceed.