But, if your CONSERVATIVE analysis of the numbers can result in acceptable Return On Investment to you, then you shouldn't need to bank on appreciation.

I have an accepted offer on my first multi-family property.

The challenge in life is to accept that everyone has a different set of highest life priorities, of individual values based on their life.

Under that policy they list what makes up a certain percentage of their brokerage business and exclusions under the policy. 

Also, as a wholesaler, you don't really have title, you yourself simply have an option to buy at a stated price (depending on the contract, you may not even have the exclusive right) for a predetermined amount of time.  

Not sure why your agent is giving you push back, unless you want to accept Only cash offers, and still want Top price. 

We have to accept the full rent late if they offer it, and cancel the eviction. 

I then came in with an offer at 161K (Which is the address of the house, I acted like I was superstitious and that I wouldn't offer anything higher than that LOL) they counter offered with 169K & I came back in again with a hard 161K... and it was accepted!

What is the usual or acceptable amount that hard money adds to the cost of the deal, when its being used just until a refinance, ie, about 5 months? 

Have been in business since Jun 15; closed two deals, 3rd about to close; have one escrow that opens today (10-12-15) and one accepted short sale offer waiting on SS lender approval.