If you just assume that with freeze damage there is also water damage and possibly mold and electrical you’ll have your bases covered.

Can I still charge Tenant $50 and landlord covers anything thereafter?

We charge a % or Rent collected on many of our contracts...In the end It would cost you less and you would have been covered if not.3.)

As a wholesaler, I am a self-represented investor, and as long as I disclose in my cover letter to the seller that I am a licensed agent, self-representing, that I have a financial interest in the transaction, and that I am not representing anyone else in the transaction, I can do wholesale contracts.  

Haven’t done any real heavy work with her yet but after sitting with her she is who I’ll be using going forward. 

Now we are faced with pulling funds from 401K (we are over 59 1/2 - tax but no early withdrawal fee) to cover the down-payment and cost to finance. 

That way you can learn the business and often times teams will help cover your education and start up fees.

The rents should much more than cover the mortgages on the properties with units and you've used the least expensive money to begin to build your empire. 

CAPEX are amounts that you will be setting aside to cover various items that you expect to replace over time (your expected hold period).

We made sure we covered every single basis and worded it as you described above.