If you're going the umbrella insurance route, make sure it will cover you for several things including just the routine slip and fall (like mold or earthquake).

I am understanding that these numbers are not part of the Net Operating Income as they are not considered routine yearly expenses.

Most turn key companies don't scope the sewer line as a matter of routine.

It will very likely raise eyebrows in underwriting.

At my own home I do early routine cleaning and maintenance which runs about 100$ a year, so wondering if this can be done every 6 months or every year to clean the drain pan, filter, etc. at what frequency? 

I recently found a very good foreclosure on Homepath.com, submitted an offer which was accepted, did home inspection, and then found out that no title insurance company is willing to insure this property because all foreclosures in Massachusetts are pretty much void because they did not comply with the correct notices for one reason or another, and also foreclosing banks often did not even have the papers showing they have the right to foreclose in the first place (they lied about it in court to get through this routinely, but eventually judges stopped letting them do this).

Use the credit card for routine purchases and pay the balance at the end of the month.

The area has appreciated but not at eyebrow raising levels.

In my experience, tenants rarely hold up their end of the bargain when it comes to routine maintenance.

But his article did not list them as elligible, although it didn't say explicitly they weren't, and I have read many threads where people say they purchase SFR's with commercial loans routinely.