Account Closed I'm an investor and also a real estate agent in the Fayetteville area. 

Is there a source for the following data;  I am looking for the "norm" for the expense ratio (based on either GPR or Gross Income) for individually metered garden style apartments in the south east and the mid Atlantic (Region IV) : Marketing Insurance Janitorial Service Lawn/Snow Licenses Miscellaneous Professional Fees Accounting Legal Property Management Fees Repairs and Maintenance Resident Superintendent Salaries and Wages Supplies Taxes Real Estate Personal Property Payroll Other Trash Removal Utilities Electricity Fuel Oil Gas Sewer and Water Telephone Other (whatever I missed)

In reality I simply pay it from my operating account and move forward.

Don't close credit accounts unless you absolutely have to and remember the earlier mention of debt to income.

We've had a really hard time getting our accountant to get back to us on questions (arg- probably need to switch to someone in Oklahoma City with better knowledge on real estate tax code) because I'm definitely wanting more clarification on logging hours and what applies.

I will have the 25% to put down but the 6 months expenses is in a retirement account I can touch but would prefer not to.

Account Closed - That's what I was thinking as far as needing to be priced under the luxury units.

Hey all does anybody have any attorney or accountants they can recommend?

Make sure you account for the cost of digging out and building that retaining wall. 

@Brian Eastman, here's the language from 4975(c)(1):"(D) transfer to, or use by or for the benefit of, a disqualified person of the income or assets of a plan;(E) act by a disqualified person who is a fiduciary whereby he deals with the income or assets of a plan in his own interest or for his own account; or(F) receipt of any consideration for his own personal account by any disqualified person who is a fiduciary from any party dealing with the plan in connection with a transaction involving the income or assets of the plan."