But maybe I'm on the wrong starting point?

If I'm wrong, I'm sure someone will point it out.  

We need to listen to the marketplace - absolutely.Not sure who's right and who's wrong.

I purchased a VA foreclosure with busted boiler pipes and all kinds of stuff wrong. 

A lot of "gurus" say that you don't need any, but this wonderful community has already proven that to be wrong.

It seems like this one has a good cushion - because something certainly will go wrong in the rehab, so having a good contingency is a pretty great - especially on your first.Good luck with the flip!

There's either something wrong with the unit or the rent amount, or the PM isn't doing their job. 

It ultimately increase your profit margin and accounts for increased risk of something going wrong or costing more.On the other side, it means you could go up to .75% if the property just needs basic basic updating.

The engineering company recommended "subsurface soils be improved to minimize further subsidence damage.

Is my title company wrong in saying that the purchase contract has to be changed and security deposit removed from the contract or if not she is obligated to put it on the HUD as it is the only way to guarantee the money?