@Gregory A.A 10% early withdrawal penalty will apply to the portion of withdrawalsfrom your Roth TSP that are attributable to earnings if you separate from your federal job before the year in which you turn 55.Contributions should be penalty and tax free.

Definitely include property management fee (Around 10% for that size) in your operating expenses.

A large percentage of buildings that are not residential have flat roofs, especially when they get past a certain size it just gets impossible to have sloped roofs.

You are currently only making $416/month on the duplex so that should be taken into consideration on what size of loan you take out.If you take out a loan would the money be better spent on the addition, or would it be better spent on another property?

I can send you a Rec based on the size property

VCU and USC are similar size universities, so student rentals are a greater percentage of the market in Columbia vs Richmond.

I told him the size (1800 sf) and age of the house and he couldn't see electrical replacement costing more than $12k, plumbing $12k, HVAC $10k. 

This must be completed and approved in order to allow the HCV eligible tenant to live in the unit and for you as the landlord to receive the subsidy from the Housing Authority for a portion of the rent.- Once all relevant sections of the packet are completed and signed by both the tenant and the owner/landlord, the packet must be submitted to the Housing Authority.- Information in the packet is reviewed and, once approved, an inspection of the unit will be scheduled.- When the unit has passed a Housing Quality Standards (HQS) inspection as required by HUD, the resident will sign the lease with the landlord and take possession.

Both are financially strong ( all of our investors are accredited) and have other relationships with the banks.There are also some smallish private equity funds that will lend at interest rates in the 8-9% range on portfolios of notes, minimum loan size starts at $1,000,000 with 60% max LTV.In both instances the lenders want to see the quality and performance of the underlying notes being used as collateral.

It can also depend on the size of the lot.