On a typical six month loan, that works out to about 11% of the loan amount, or about 7% of ARV.Yet on the third hand some HMLs want to see some percentage of the deal in your own cash, regardless of the numbers.Many HMLs require you to do the work first, get it inspected and then get reimbursed for the repair costs, if those have been included in the loan.And you will want to have enough cash to cover any unexpected problems.If your underlying question is "how can I do a fix and flip with none of my own cash" then I will say that is very, very difficult to do.

Another idea was to charge another $50 and with a stipulation that once baby comes they need to find a much larger place.

They have equipment to scan the area.....they may try to pass the buck, but the issue is digging could be a big deal, I'd insist they inspect.It's also on the bank, but there may not be any charge by the police.

The management company fix many small things without charging me though.

May be new washing machine hoses, may be all brand new drawer pulls, or a new microwave...whatever.So this year I picked up a couple of dozens of USB wall receptacles from an online sale, and I noticed everyone likes to charge their tablets and phones on the kitchen counter.

They charge a $40 flat fee to assess the situation, then go to the hardware store, buy supplies, and fix the problem that day charging a per hour rate plus the actual cost of supplies.

I know there are some agency that charge a monthly fee to their agents instead of taking a commission cut.

Is there a limit how much you can charge in points or total closing cost?

. :-)What other charges are they throwing in there?

If, after running the numbers, I felt there was enough of a cushion to handle unexpected occurrences AND walk away with a healthy profit (I would say $20k minimum clear) then I wouldv'e considered it.