Steve Babiak's insight on debt to income ratio (DTI) cleared up my thinking that even if I could legally charge myself rent the DTI would count against me for loan purposes anyway.The property is mixed commercial in a rural area and difficult to find comps for appraisals. 

I know there are some threads that have gotten into the double digits in terms of page counts.

If it counts for anything, I'm located in San Diego just in case construction costs vary.

Absolutely.Lastly, I'd be weary of counting on the commission split to make the deal work.

When starting a DM campaign, it could takes a few touches since its a form of re-prospecting monthly. ...You are right on both counts.

So it'd be like $32k downpayment, but minus $20k credit (plus fees, but let's count those out for simple math) means that I'd pay $12k down to the mortgage company and have the extra $20k for the cost of the new roof.

Keep in mind, though, in my market and strategy I'm not counting on positive cash flow to make my profits, it is more like an insurance policy so I can afford to hold it through thick and thin if I need or choose to.

Quibbling with GOI - - it's normally call GSI, Gross Scheduled Income :grin:Nicely done, and taxes are a per state issue - - here in Calif, we have Proposition 13 which forces the tax assessment to be 1% of the purchases price.If you can gain access to the Count Tax Assessor's website, you can normally see the assessed value and the taxes it generates.

The property should have positive cash flow of ~$12,300 / year (not counting any paper loss - but I calculated this at $1,300 for year one). 

Zestimates have always been worthless so I count this as a good thing.