@Logan Hassinger - This is my first commercial loan, so thanks for the feedback on the terms - I'll adjust my analysis.  

309 larkwood dr sw decatur al3br 1baSqft: 1150Price: 34.5kArv: 70kRehab Cost: 15kRoi: 20.5k

The only thing with PDF is that they won't allow you to adjust the font size if reading on the kindle, which tend to be very small.

I have heard of loss carry forwards, If the person makes a adjusted gross income of under $75k.

My 3 cents worth adjusted for inflation.

They don't even have the same credentials as an adjuster, much less a GC.

Check your rents versus what the market is charging on a site like www.rentometer.com and make adjustments, if you can, over time to account for usage.

Also if there are any accountants/CPAs out there willing to assist with tax preparation, I am in need of someone to help with business taxes and maximizing expenses/adjustments and minimizing tax requirements. 

@Chad BenedictThat is another reason I like this property; there is room for adjustments.

And those are the types of houses that are extremely difficult to get the discounts most investors need to make the numbers work.So, for me, I think those are the issues I'm seeing with your proposed model and possibly why you're seeing the cash flow numbers not looking so good. 1) You're looking for stuff too new and too nice that you won't be able to get the discounts most investors need.2) Without the discounts, it makes it really tough to cash flow right.What I would say is you either need to adjust your model or get creative in finding the discounts.