With this being our primary residence and with all the other factors mentioned above, would you say it is ok to pay the extra $10,000 and not complete all of the finishes we would like to put in the home since some of them would only be cosmetic.

I would definitely factor in the other expenses.

We just closed on our 8th rental houses. 8 houses in 4.5 years at 28 and 30 with only one steady paycheck, one unpredictable paycheck (my paycheck varies depending on the job availabilities at our current duty stations) and a transient lifestyle being a military family.

On the sale side, title, escrow, and most closing costs are paid from proceeds of escrow so they do not come out of your pocket and thus, do not factor into your ROI equation.

Specifically,"FinCEN intends the proposed regulations to reflect the distinction between a seller-financed transaction (which typically involves family members or friends in a one-time transaction) and a person that is primarily engaged in the mortgage finance business but for business reasons or changes in markets, competition or other factors, conducts relatively few transactions within a given period."

Even factoring in unfavorable expenses, many of the nicer homes in that price range are showing a cash on cash ROI of more than 25%.

Hey @Jeff AmoreThe information you provided, in and of itself, definitely isn't enough to eliminate the possibility; but I'd need info on a couple other critical factors before I could really say one way or the other.A few of the questions I'd personally want answered are:For one, how much cash do you need to bring to the table and how much debt are you taking on?

That's also a very huge factors.  

However, you also need to factor that the actual cash value grows at an annualized return of 4-5%.  

Be sure to stay active now that you posted, setting up key word alerts can help with that.I can't help with the specifics of Tacoma, but I might suggest researching school quality, as that is a key factor in desirability.