The reason is I want to separate my personal debt to income ratio from my real estate investing “business” and of course reduce personal risk. 

This includes operating your heating and air-conditioning system as appropriate to reduce humidity, using appropriate ventilation, limiting evaporation of water, promptly removing any visible mold, and immediately reporting to us any leaks or other water intrusion into your apartment or any visible mold that you cannot remove.

A roommate can offset costs, reducing the $600/month shortfall.

For example, an agent would collect a reduced commission, flat transaction fee, or no commission if the buyer sources an off-market deal directly.In your case, if you'd like to compensate your agent, you can include it in the loan.

So I waited a couple months, and they reduced the price.

This reduces exit options and affects the value. 10) Small number of small units is the most expensive residential development there is.

And just having thought it out before greatly reduces potential of later hostilities "if". 

It'll at least help you reduce your living expenses.

If you can't get the seller to reduce down to that appraisal, consider walking away. 

For example, you may reduce the maintenance and capex to 5% and then discover turnover occurs more often than you had planned.