I was willing to pay the 630 total including the 5%buyer premium. 

Do not agree to any arrangements including paying for a new ac until you speak to your lawyer 

I think it's a good question and I don't know the answer.My uneducated guess would be to use the value of the note to determine net worth, since it would already include the value of the property and the note value would be a higher value than the property itself.I'd be interested to hear from someone who actually knows the answer because now I'm curious.

Areas include but are not limited to: Hammond, Whiting, East Chicago, Gary, Hobart, Valparaiso, Crown Point, Merrillville, Shererville, Hobart, etc. come in and introduce yourself- and be sure to invite your friends, colleagues, and other professional contacts! 

It would be helpful if you completed your profile and included your photo.

I want to say all in, including the trim, new doors to the room and closet I spent under $1000.

Can anyone provide me with me with a lease that includes every possible foreseen situation under the sun or maybe a list of must haves and tenant requirements.For example: I listened to a BP podcast where the land lord requires all tenants to have renters Ins. and have her name on the policy.

This has some local events including the NARE free meet up: https://www.biggerpockets.com/forums/521-events-and-happenings The BP forums are like wikipedia for anything you want to know about. :) (...and if you don't see it, ask - everyone has been quite friendly.) 

If the water utility is not separately metered, then the landlord will need to pay the bill and factor in the cost into the rent.If the unit is marketed as including utilities.

Tenant's General Responsibilities: Tenant, at Tenant's expense, must:pay any periodic, preventive, or additional extermination costs desired by Tenant, including treatment for bedbugs, unless otherwise required by law;"I would double check, but as long as you have been reasonably proactive to try and help with pest control, the tenant doesn't have the right to cancel the lease for pest issues.