(e.g. she moves someone extra in, she starts paying late).

LOL no need for the extras lol 

(Without all the extra costs included) So basically, I just wanted to get some feedback on what you guys thought about low income areas.

They will not be in a closet but may be separated by a 4 feet wall on the side.The reason I am asking is that there are already all connections available if I keep the washer/dryer location same but then it is in the master bath.The alternate design is to move washer/dryer to a side, in a closet and be totally separated with master bath but then it will cost more as I will have to pay for extra plumbing/electrical and vent.any ideas?

I do not have the 20k to 40k for the extras they are asking. 

If you really just want to have something paid off you can put extra principle down at your discretion. 

The addendum is for extra credit to the buyer for paying extra but strictly optional.

I originally had the house at 2.5%, however increased it to 3% as well as an extra 1000$ bonus.  

I greatly appreciate all of your advice and time to respond.Rob: Thank you so much for the extra input.  

Those extra costs add up and some investors determine that it's not worth it in the long run.