I don't know, but from my basic knowledge, make sure you are pumping up the vacancy factor to account for the summer months being potentially vacant.

Combine some of those factors with congress attempting to make collection law even more consumer friendly, and the rise of frivolous collection lawsuits, and you have an eventual recipe for a bubble bursting.

Do your math and plan for the worst case scenario when factoring in your expenses.

Thanks Unit count and occupancy status are both interest rate factors, yes.Fannie Mae publishes her pricing adjustments publicly. 

If it's a multi unit building (5+) usually the occupancy factor should be at least 80%.

I also see and hear those same "professionals" massively under-quote repair costs, forget to mention important due diligence items that if not checked can be a nightmare for the new buyer/operator, and make ridiculous claims that fly in the face of building codes/basic supply and demand factors/actual operating experience, and the like. 

I would factor in your personal finances into this.I'm not saying real estate investing isn't lucrative, but on a macro level in the next few years I expect to see a down turn.   

Hello Bigger Pockets members,When  analyzing a deal through the BP calculator how do I know how much money to factor into the closing costs?

If you actually managed to get the rents your hoping for then 260k but I wouldn't put my money on it.6) your insurance is going to be closer to 2500-3000k7) i very highly doubt you will get a 30 yr note on this property.8) you might as well factor replacing in the roof into your purchase price cause It will need to be done immediately9) I think your capex allocation is super high, especially if you plan on doing the rehab correctly upfront.

This is based not only on a mortgage’s closing costs but factors like property taxes and utilities paid in to date by the seller.At the closing, or settlement, table, the buyer (and seller) sign all closing documents, including the HUD-1 (see a sample HUD-1 here), and the final loan documents.The buyer pays the remaining funds in their downpayment to an attorney or a representative of the title company (who is present at closing) via cashier’s check.The representative from the title company or your attorney will then record the transaction and deed with the appropriate municipality.The buyer receives the keys and, unless indicated differently in the contract, officially takes possession of the property.