I was in great shape and that was 2 days before I was scheduled for preventive surgery.  

I have a property that the seller wants 60K on a land contract with 20k down at 6% and a 5 year balloon on 30 year amortization schedule.

Check out the MIG schedule and get on @James Wachob mailing list for his monthly networking evenings.  

We routinely get loans for less than 80k.

I will often replace these bigger items at turnover simply because it is so much easier than doing it when a tenant is in there (think scheduling, moving their items, disruptions, etc).Best of luck in bulletproofing your rentals!

In some markets there is a scheduling fee, that is charged to hold an appointment after one has been made, but it should only be about $50  But that should be between you and the inspector and have nothing to do with the Realtor! 

Here’s what I mean:If you are using a Schedule C in your personal tax returns there are 4 important items to be aware of when a bank calculates your income.Schedule CDepreciation (Line 13/14) – can be added BACK as income Business Use of Home (Line 30) – can be added BACK as incomeVehicle Miles (Line 44A) – can be added BACK as incomeUn-allowed Meals and Entertainment (Line 24B) – is subtracted FROM your incomeSo if your Schedule C taxable income is $0 (line 31) but your depreciation is $10,000 then your actual income is $10,000!

I did my best to rest assure him that it obviously wasn't my goal to bother him and I was here to work around his schedule.

Call ahead and ask if they use their own money before scheduling any appointments.If you have a little bit for down payment (3.5%) you could do an FHA 203k or Homestyle Loan.  

I am about to schedule a appointment with my real estate attorney, its by phone and he is in another state, but should be familiar with the laws here in Texas.