To start, I recommend 15% combined for repairs and CapEx.

Don't get hung up on how to use all the perfect metrics, some combination of them will click and make sense to you for how you do deals. 

Is combining seller financing and a loan for rehab a bad idea?

If that's the case, choose the market that has the best combination of cash flow and strong economic and demographic trends.

There are three ways to force appreciation by increasing the NOI: increase income, decrease expenses, or a combination of both.WorkloadFinding the deal, underwriting, negotiating, closing and managing.

.$61KWe also liked that Denver offered many of the high quality jobs and amenities -restaurants, nightlife entertainment - that made cities like San Francisco, Los Angeles, New York, Seattle, Austin attractive destinations in recent years, combined with the lifestyle benefits that come from living close to amazing, year-round outdoor activities.Ranked 5 of 62 for best large city economies (Source: Wallet Hub)Ranked 8 of 100 best cities for an active lifestyle (Source: Wallet Hub)Colorado is ranked #2 in the country as most attractive states for employment and #1 for job opportunities (Denver Business Journal)Ranked 12 of 62 for best large cities to live (Source: Wallet Hub)However, the leading indicator that informed our thesis was Denver’s growing concentration of college-educated millennials, which is a proven catalyst of regional economic growth.

@Roberta Marcos MarcosI forgot the other part of the question.Removing your husband from the mortgage would improve his credit score.It would lower your score because of the combined total debt that you would carry.Total debts may or may not affect you down the road.

On both of those size properties there are a lot of 30 year fixed products that can combine to do what you are trying to do.

That's half your budget for vacancy, repairs, and capex combined.

At $40,000 combined income sounds like you will be in 12% tax bracket when it comes to calculating recaptured depreciation.