It seems this may be a difficult expense to estimate given that it is not entirely clear what will be included in a property's "repair and maintenance costs", but maybe some of you have a rule of thumb or method to help you estimate these expenses? 

I have a real estate license and a FL state roofing license, plus have plenty of contacts in property management and in different construction fields in South Florida - however, I am finding it difficult even with access to the MLS and using LoopNet to find any deals worth their salt from Monroe County up to Broward County.I'm lookin to buy and hold invest and prefer a tri or quad plex multi-family. 

This is a much more difficult proposition and you will most likely end up in or around DC. 

I am willing to split the total amount of the invoice ($746.96) and pay 50% or $373.48; and, in addition, given a possible financial hardship, allow you to make monthly incremental payments towards your share of the balance ($373.48) over three months, beginning inOctober 1, 2017 and ending on December, 1, 2017.

It’s tough, for one reason, the fees usually kick the apr up into a “high cost” loan on such a low balance which most won’t do.

Actually, in Raleigh, I would say it is difficult to get to the 1%, unless you go into less attractive areas.

It's also makes them more money and helps to spread their income out over the life of the loan balance. 

“Getting a real estate license isn’t too difficult,” “But just because people take classes and pass a test, doesn’t mean they will make money.”He said making money selling real estate in the Valley now is “hard work” and often a seven-day a week job.He said the salad days are long gone, and he doesn’t see them coming back.

That gives us what we need for instance: Say the house is presently worth $120,000If the house sold for $100,000 in August 2013 and the interest rate at the time was 5% with 3.5% downPurchase $100,000Down 3.5% - $3,500Loan Amount $96,500Interest 5%Put those into a mortgage calculator and the payment is about $518 a month WithOut taxes or mortgage insuranceLook at the amortization table and after 5 years of payments the principal balance is about $88,615So, present value (PV) = $120,00Amount owing = $88,615Assumed Equity = $31,385Build a spreadsheet so you can change the variables.

Then you set when the remaining balance is due and they pay it accordingly.