As far as my tax bracket, I will probably gross around $80,000-$85,000 this year, but I do have a company 401k(traditional) with match that I contribute to, only 5% for the match and then an extra $5,000 flat for dependent care and another $1,000 towards an HSA.

I'm fortunate to have low expenses and a high-paying "real" job, so I was able to fund my own deals, all my mortgages are traditional.  

Wish I had a better response for you but you might want to reach out the file manager who is handling your permit and ask what's the reason for some of these items, sometimes the counter clerks have a check list and end up sending the applicant ( you) that list without considering what you actually need.  

Very helpful - thank you @Craig Curelop and @Chris MasonIt looks like the lenders are baking taxes and insurance into the closing costs - as "prepaid items / reserves" - which amount to around $2000.The actual "closing costs" themselves amount to $5500 for a loan with 1 point - which includes title fees, state tax, processing, underwriting, appraisal fees, etc.Sounds like it can't hurt to do a bit more shopping but I definitely feel better that these costs are more in line with what's to be expected.

The roof caved in on a mud room, home owners insurance covered the exterior and the renters insurance covered damage to items on the interior.Hope that helps,Chris Pre

Our housing authority publishes a checklist of items that have to be in place in order to pass the inspection.

I could pay the loan off any time but like to show a good payment history on items.

They see investor walking though the property for 5 minutes, pointing fingers on items and then show up 2 weeks later and everything is done exactly as they wanted.

The trash is probably gone by now but if there were items known to be theirs (stuff with their name on it) that could show it was theirs if you had pictures.  

And who is responsible if unrepaired item causes damage to tenant property or rental unit?