In addition, I have an old storefront in one of my apartment buildings that I use to stock supplies.

I suggest you get a state contract, many office supply stores carry forms.

Most sub contractors get materials for homes from building supply houses, not Home Depot or Lowes.

I also plan to use eBay and some of the consignment auctions to see if I can get better deals than HomeDepot/Lowes.You may try to see if you can sign up with some of the local contractor supply houses that specialize in certain trades (electrical, HVAC, plumbing, etc).

@Phillip Dwyer and I have discussed multi's and he's mentioned that Vegas just doesn't have the supply/$.  

I know in 1998 I went to an auction of building supplies and there was a ton of lead paint from a warehouse being auctioned off, and bought by a small home builder, I'm sure he didn't buy all that paint just to stack in his garage to look at.I also liked the lower prices I was able to get because of the paint issue, it added to the profit margin and as I said when I sold, it was now a safe house, we did it right.

annualcrediteeport.com is the site that supplies a free report each year.

I know his work is good but it's just a matter of how the job goes and what we find along the wayI my opinion a legitimate contractor would have no problems supplying a full estimate.

Maybe less in the beginning on a newer construction...maybe more on older properties, but right around 50% over the long term (I have a property manager so that accounts for 10%).In looking at the numbers you supplied, it looks like the owner's stated Expenses/Gross Income is about 30%, thought I agree with most posters who feel that $67/month ($804 annually) is low for property insurance.

In the past I have bought supplies and allowed residents to paint their own units with my approved color.