My estimated repairs are approximately $25,000 -$ 30,000 however, my comps in the neighborhood range from $165,000 - $260,000 depending on the extend of renovations and other typical appraisal adjustments.

Buying all-in at 84% regardless if it is  a $300k exit or a $3M exit, that just does not leave enough room for error, unforeseen occurrences, or worthwhile profits for the risks and efforts.People also need to realize, and I have stated this hundreds of times, the rules (65%, 70%, 75%) all need to be adjusted according to market conditions, locations, investor, and other factors.

You projects in your business plan are just that and you can/should adjust them as things start rolling for you.  

(thanks for the heads up on making that adjustment for cap-ex...I will remember that for NOI calculations)Cash on Cash return: rent - all expenses including mortgage divided by cash in the deal...annualized. 

But there are places which are good to visit, and has good climate.

If the credit card was not a Wells Fargo credit card, write a letter requesting a goodwill adjustment (google goodwill letter to creditors for ideas).

I grew up in a house with radiators and it did have a valve that could be adjusted so maybe not a big deal?

Climate desirable. 

I for one was truely hoping that Craig would understand where I was coming from in my constructive advice/criticism and perhaps adjust his approach here at our community.

I hired a public adjuster and the loss is almost settled.