Also, through normal economic cycles—I would think a stock market correction may be naturally occurring in 12-18 months so I can accept a modest returnI only have exterior pictures of the property which shows it as “fine/livable”.

If you are covered by an employer sponsored retirement plan (i.e. the Solo 401(k)) your income level may prohibit deductions for IRA contributions.Here is IRS info on the topic:https://www.irs.gov/retirement-plans/plan-particip...

@Chen Zhou, thanks for sharing the picture.  

Banks have "Loan Loss Reserves" set aside to cover the difference. 

Our E&O insurance is covered by a transaction fee we pay which is reasonable. 

Here's a blog article that covers many of those sites that may be helpful to you: How to Determine Fair Market Rent.

They currently want to refi and pay off original investor that got them through the purchase and rehab.In walks my money SDIRA (not a ROTH so all tax deferred) to refi and also partner on holding the investment for rental income.Anything can happen even though it’s rehabbed with a home warranty - all expenses are 100% on the investor side (my IRA) which means if additional money is needed that the rent does not cover, my IRA will have to pay the expense.

If you are putting a tenant in there are selling it to someone else, the you need to be able to cover the payments if the tenant doesn't pay for a while.

I just had a wonderful experience with an agent named Dave Marshall who covers Southern Maine.

The HOA is 127.50 a month (lower than most HOA's in this area) and it covers Exterior Mnt of Unit; Roof Repair; Roof Replacement; Blanket Ins Policy; Garbage Collection; Common Area Maint; Street Maint.