yes, I do it all of the time , the worst a Seller can say is No, The best a Seller can say is Yes.

How much does this cost in a typical case vs a worst case scenario?

I think I would want to play it safe and try to get low monthly payments just in case worst comes to worst and I end up having to pay off the loan for a few months out of pocket at some point.

.- Mortgage- Taxes/Insurance- Management (8-10%)- Vacancy (5%)- Repairs/CapEx (10%Then budget aside at least 3 months of reserves for worst case scenarios

Even with a few gnarly evictions of crazy inherited tenants under my belt the worst I’ve had was old furniture left, dog turds and cigarette butts on the carpet and human turds un-flushed in the toilet (no upper-deckers yet thankfully).

And while I totally agree thatvma y times they are assinine rules at worst or outdated at best, they are the rules and if.you break them I have learned there are bound to be HOA Nazis ready to inflict pain upon thee.

This is the worst financial crisis since the Great Depression, so it’s a little over kill to use this as a benchmark.

I'm not going into this expecting to lose money, the analysis I have shows it will cash flow but there is a large variable of vacancy and no matter what research I do it's hard to nail down or say I'll be able to reach what my goal are and this is why my estimates shows the "worst case" is -$4k if we can't rent it like we're expected to.With that though, since we're new if it doesn't cash flow then we'll adjust, learn, and try to make it cash flow but who knows...Here is my original post asking about the numbers: https://www.biggerpockets.com/forums/530/topics/714890-how-to-calculate-vacancy-for-a-seasonal-place?

I feel I should plan for the worst and be as conservative as possible.

I always think worst case and if something were to happen, it's better for someone to come after your company then to personally come after you.