like in Oregon any loan under 50k you can only charge a certain rate. 

I wonder about these gardeners who often will charge people $120 a day to do work or handymen who want to do a bathroom cosmetic remodel.  

That is why you can charge a wholesale fee in the first place, because you brought something of value to the table.

Now the question is since the income bracket is at the 12% normally you would be in the 0% capital gains bracket but it also states that this does not apply to real estate so what % tax would be charged on this capital gains?

See what number of them have pools, and what don't, and how much they charge.  

I don't know where you're buying at, but try and do some research to see 1) if it's market to charge RUBS where you're at, and 2) how much your nearest comps are charging for RUBS.- Depending on size of the property, scope of the work, and how much rehab you're willing to do, you can always consider individually submetering each unit.

 If she is a section 8 person find out what the max you can charge for that number of bedrooms and move her to that price point it’s the section 8 that will pay she’s only got a pay a percentage based on her income.

I'd check on Meetup and join some local REI groups that do not charge fees.

Things like people being mad they were charged a late fee when they didn't pay their mortgage on time, etc. 

Never paid the rent on time... we never charged them any late fee on humanitarian consideration because every time he will come up with some personal issues...