Any deprecation expense/recapture for/by the seller prior to the sale is no longer relevant.As far as loin points, not sure these are amortized at all for tax purposes.

20% down720 credit1:1 ratio7.875% no points$1800 lender fees3 year PPP in states where allowed but we can originate in all 50 statesFully delegated.  

In my experience, banks will need all vested owners on title to qualify.

I've read all the books that assume i automatically know people with money.

These are all things we sometimes run out of sometimes and need.

You're paying down debt fast and your not accuring much interest at all.

I am an investor based in Fairfield County, CT and just rejoined BP after many years away.From 2005-2011, I got up to ~150 units in SF & MF both rehab & new construction, Class B & C, but (regrettably) sold all to focus on institutional real estate and private equity.Since selling off, I got an MS degree in real estate and participated in most asset classes institutionally ($10-250mm+) with a focus on SF & MF.

I don't see many with any amenities at all and building them into a budget with only 4 units usually isn't feasible. 

I've heard/seen some contractors take 1/2 up front and not return for months [if at all].   

We're finding fixers all over Sac.