Podio has many features for investors, but until you have an excess of leads and property options, it's probably not necessary.

Percentage wise, I target COC in excess of 20-25%, all my rentals have COC in excess of 30%.

You can get very cheap little moisture testers.

It may leak moisture through the cracks in the filler, as sewer gasses do contain moisture.

Any tenant with young children is going to create some damage but it is excessive.

AND they want you to have excess capacity above the ability to pay the loan itself.  

Have you had excessive problems with the current tenants?

You can not deduct losses in excess of basis -this is the basis limit. 

They don't usually have the excessive maintenance problems that the 100+ year old homes in the urban areas of Indianapolis have either.

There are exceptions where you can do an escrow hold back if the "Cost to cure" is generally under $2K or you have a seller amendment to cover the cost and then they will hold it in escrow until repaired to release funds to vendor with proof or receipt.You have Fix & Flip loans but they an be a nightmare and the rates and points are excessive.