When used for eligible medical expenses, for example, HSA distributions are tax free.

I’m basically trying to find out if there is a cheaper version of a hard money loan, which in this example would cost me $8500 ($3500 at closing plus $5000 of interest assuming I refi out after 6 months).  

It's an example of people drying to drum up business and camouflaging their real intend. 

Repairs and maintenance costs made PRIOR TO the property being placed in service must generally be capitalized (added to the depreciable basis) and the costs are recovered over 27.5 years as part of the building depreciation expense.For example, let's say you spend $275 to have the place painted.

I've talked to a few people about doing rentals and most of their responses are about the same "start of with a cheaper small house, rent it out and gradually work towards getting more lots and then work bigger towards dupleces and so on" I need direction for learning tools I really am starting fresh, I don't have knowledge really at all on market what factors that are in play when going to buy a house or renting it out or anything like that.

Not sure how to offer "fresh" items like milk or bakery muffins if I can't have them in a supply closet for the maids to put out after a cleaning...I am putting a Keurig in and planning to offer a variety of coffee, tea, and hot cocoa pods and some shelf-stable half and half or creamers.

For example if I list a property for a client thats under $50,000 then our commission is a flat $4,000.

I’m assuming it would go up a lot if you tried finishing a basement for example?

To them, it might be more about you denying them their essential humanity, treating them like troglodytes fresh from a life underground.

As an example, you find three RECENTLY SOLD PROPERTIES having similar layouts that are within a reasonable radius, of the Subject Property.