FWIW  electrical work is typically the most unpermitted poorly executed work. 

I regret every property I sold 10 years ago (except the ones in the hood, that was a short term experiment I am glad I got out off).Your total net worth contribution is a lot higher than 0.6%, just the paydown of your loan is double digit ROI.

Why would you think you are worth the same as a professional? 

No points, not sure if it's worth buying down since rates may fall?

It's definitely competitive but definitely worth it when it goes right.

More than it is worth.

:Class A Properties:Cashflow vs Appreciation: Typically, 3-5 years for positive cashflow, but you get highest relative rent & value appreciation.Vacancy Est: Historically 10%, 5% the more recent norm.Tenant Pool: Majority will have FICO scores of 680+, zero evictions in last 7 years.Class B Properties:Cashflow vs Appreciation: Typically, decent amount of relative rent & value appreciation.Vacancy Est: Historically 10%, 5% should be applied only if proper research done to support.Tenant Pool: Majority will have FICO scores of 620-680, some blemishes, but should have no evictions in last 5 yearsClass C Properties:Cashflow vs Appreciation: Typically, high cashflow and at the lower end of relative rent & value appreciation.

Typically the leaks have been toilets which will constantly run and use water slowly.

My current project is one that I inherited but will definitely pay off in the long run.One of my biggest questions I hope to get answered is how private lending works and if it is worth it. 

It's worth it to research your options and go with the best quality you can afford!