A tenant in one of my duplexes moved out under the cover of darkness late June.

some credit unions will do 100%, but at a high enough rate to cover their exposure. how did fha close it with a bad roof?

It does turn a profit and it does cover itself, but not enough. 

Lima capital one for example covers 90% of purchase and rehab costs, max loan to ARV is 70%.

Basically two people in charge of selling can get difficult, so you want to cover yourself if things don’t go as expected.

Value can increase via no rent increases if the industry is going through cap rate compression (dropping cap rate will raise value price).5 yr term baloon is almost always killer as in this case.  7 yr better, 10 yr is best.The todo in seller financed deals:- Increase value via increased NOI and hopefully enjoy free increases from industry cap rate compressoin so that when you apply for refinancing, the appraisal will come back so that the LTV being offered (70%, 75% maybe 80%) will cover the balance on the sellers note. 

What kinds of insurance riders will I need on the additional properties to cover the additional rentals/tenants?

I’m comfortable covering the negative cash flow with my Flipping income and keeping a reserve to cover issues that come up I believe that generally it’s a poor business decision to purchase rental properties with no or negative cash flow and relying on appreciation however since my all in cost is zero or negative (because I profit from the refi sometimes) I’m wondering what you all think about doing BRRRR’s with no cash flow or if I’m better off flipping these properties.

Assuming they have insurance, it should cover this (less the deductable).Oren

I am specifically wondering if the income would be high enough to at least cover the mortgage and preferably bring in a small profit as well.