But please don't confuse my "ADD" as impatience...I've never wanted to be "stuck in rut" as I feel it's detrimental to your well-being and places self-limits on your potential. 

That may be what gets the sellers defenses up.

We self manage across the country and move a lot duty to my husbands military career.

The property is in a very good neighborhood and five minutes away from my home, so I could self-manage. 

Perhaps self-management isn't so bad after all.  

All of this progress within a week shows I'm serious and ambitious it's gotten to the point I constantly visializing my self living being where I want to be in life.

I'm also optimistic that my self and all of us who work hard and stay committed into helping each other will be Successful.

I also really think this whole discussion depends on what you actually do for  a living.. if your W2 and your income is basically the same year in and year out then you HAVE to really budget hard.If your self employed and one month make 10k the next 40k one year you make 150k the next 500k.... you can be a little more casual about debt ...  

In reality arm is for someone who will sell in 5 years or has the cash to self insure themselves.

I'll want to see the following items:TaxesSewer and WaterTrashHeat/UtilitiesHOACap Ex and Ops (my personal minimum is $150/roof/month)InsuranceMgmt Fee - as a % (general consensus here on BP is 10%. include it even if you think you are going to self manage)Vacancy- as a %. (8% represents 1 vacant month/unit/year)