I would venture maybe $20k total, conservatively. 

You're totally right—making a schedule with all the important dates on it is very helpful!

@Zach Denny Did you ever put your deal together, if so I'd be curious what the bank required on CLTV and if you had to source the total down payment (PP-First Loan) then apply seller second, or if the bank let you do all that at closing functionally making your DP = PP-First Loan-Second Loan.

You can theoretically have a higher rate from one lender with lower origination fees and total finance charges may come in lower.  

I've known about Jerry for YEARS haven't spent one penny and have received a ridiculous amount of value engaging with his content, again for FREE.

It's sad to see so many of these threads after looking through BP today, but it was totally expected based on the insanely low rates a couple of years ago and realizing how commercial lending works.It's a bummer, but there's no such thing as passive investing and there's no alternative to digging into a situation and understanding it for yourself.

With respect to paying $44k off on your HELOC, I personally think that is totally fine and a great start. 

There is a difference between a repair cost and a total replacement cost. 

But I did it pre inflation so the total cost was around $75K at the time. 

And you create a situation where you are totally dependent.For most people in the US OOS investing does not make sense, the economic delta is not large enough to justify the additnal cost and management burden.