I'm working to make my first transaction in the forthcoming weeks/months, so naturally a little nervous, but also enthused and excited!

@David Nacco - first make sure to account for the following expenses in your calculations:1) Mortgage2) Mortgage insurance (PMI or MIP) or FHA Risk base3) Property Taxes4) City Taxes5) HOA (Home Owner’s Association) Dues and Fees and Assessments6) Insurance a) Property Hazard Insurance (0.3-0.45%) b) Flood Insurance c) Earthquake Insurance d) Umbrella Insurance7) Vacancy Rate (usually 8% - the equivalent to one month a year, or 5-6% if multifamily and/or if experienced, if not use 8%)8) Utilities (you’ll have these if your tenant is not covering them and/or during vacancy) a) Water § Sewer § Garbage b) Electricity c) Natural Gas d) Propane9) General Maintenance (usually 5%) a) Upkeep § Landscaping b) Snow removal c) Repairs d) New Appliances e) Make ready10) Capital Expenditures (usually 5%, higher is the property is old and obsolete, less if fully rehabbed and all mechanicals and roof are new)11) Property Management (8%, even if you self manage, your time still has value and there might be a time when you'll want to be completely hands off or you'll not be able to do it, vacation, retirement, etc.), including...

In the FHA guidance issued in 2013 in regards to this issue it states a landlord can deny an emotional support animal if the accommodation “would fundamentally alter the nature of the housing provider's services.”

And secondly, will the fix last or will this cause an oil spill?

That's the nature of the game.

Admittedly, I am naturally an early riser.

I personally use a CPA that I have been with for over a decade and she is phenomenal and always finds deductions that I would never find on my own (mind you, my taxes are also more complicated due to the nature of my work and the various investments I hold).

If you have that, hustling becomes second nature which leads to knowledge and snowballs into money.Focus and attitude are what really matter in life.

What is a reasonable % to charge on a loan of this nature?

Kept natural exterior brick facade as-is with new energy efficient windows to keep the integrity of the home consistent with the neighborhood.