In my area I generally end up at 45%, but I usually estimate at 52% when I am doing a quick analysis.Other individual items to consider is lawn, pest, CAPEX (Capital items like roof, AC etc) maintenance.  

Items 1 through 5 of my request comprise one statement (CC §2943(a)(2) (A) through (H)), thus the maximum fee allowable by law is $30.00.Please forward the requested information via fax to (888) 555-1212, or by US Mail to: PO Box 1234, Anytown, CA 12345. 

When I explained notes to people above 50 and/or in rural areas the concept of Private Financing/Seller Carry was crystal clear.

There are other more creative options, however, such as seller financing, in which case you might secure a property with a much smaller down payment (do a search on here for "seller financing" or "owner will carry" for more information on this topic).  

Let the collateral carry the load.  

Greetings BP Community,This is my first possible shortsale and any input or advise is greatly appreciated due to items found during inspection.

That makes sense in that it would limit the "pool" of items that a creditor could go after. 

Require the "tenant" (the group or organization who actually rents the home) to carry a 1M policy of renter's insurance with the landlord named as an additional insured. 3. 

Typically with a down payment that low, you would have to carry mortgage insurance, unless your appraisal comes back at 20% higher than what you are paying.

If utilities are unpaid would any of that carry over to myself as the new owner?