Every broker (including me) has the ability to give a 0% origination fee WITHOUT increasing the rate.

A) The $40K cash on hand was not including my emergency fund and merely represented what I wanted to stick to as a low ~10% DP or to be used for a small refresh/reno. 

Beyond real estate, I have a background in media production, including event setup, documentary filmmaking, and television production during my time at PBS CET.

If you are looking to just calculate profitability, set how much profit you want to make then:ARV - Purchase Costs - Holding Costs - Selling Costs - Desired Profit - Rehab Budget (including contingency) = Maximum Allowable OfferIF you cannot calculate those numbers, a spreadsheet isn't going to help you. 

Jonathan Having worked most of those markets (Detroit included), I'd say most all of them will offer investors a very similar return.

If I represent buyers, I like to include my name and contact information along with a sentence that if anything changes after the signing but before the sale, the tenant is obligated to notify me in writing or it waives any of those changes.Buyers might have other tenant concerns that are specific to a property.

The Homeowners Insurance will include Builder's Risk.

https://www.donotcall.gov/report.htmlThe effective way to stop the calls, include texting STOP to the number.

Other strategies include gifting portions of the property to reduce the taxable estate or exploring more complex options like a Qualified Opportunity Fund or a Charitable Remainder Trust to defer or minimize taxes.

The home needed a lot of work including roofing, windows, siding , kitchen, baths, and mechanicals.