Perhaps is a bit too high.

I use eggshell on the walls, flat only on ceilings and high gloss on trim and windows.

My income doesn’t show itself as being very high, but I have a relatively large amount of cash to put down.

I'd highly suggest getting to some local meetup groups in MKE:  https://www.biggerpockets.com/forums/521-real-estate-events-...When you say you are considering alternative financing options, what does that mean?

We have worked with them and have had great results. highly recommend

@Kaaren Hall after seeing your post i called them right away, their fees are extremely high for an HSA that for the most part most people don't have a lot of money in.I max my HSA every year, but if you have a self only plan you can only put about 4k /yr  and if you have some medical bills it's less.they are also very restrictive on taking money out, and no CC to pay the doctor. prior to speaking with them I was extremely excited to see this opportunity you suggested,  but after my conversation I'm no longer...I will look for other options now that I see there may be some, so thanks so much for bringing it up.

A 6.6% cap rate building (your 200 month payback on cashflows alone implies a 6.25% Cap Rate, rounding up to make the math in the next sentence easier), that stays at a 6.6% cap rate, appreciating at 3.4% per year, generates a 10% return that is highly likely to continue to pace with inflation over the long-run. 

You would be coming onto market at the prime time and its in downtown so hopefully it'd be contracted for the sell within a month, but northern Cali is a slower market sometimes since we're not as densely populated so id say 3 months.

The new design takes the home from a 3 bed, 2 bath to a 4 bed, 3 bath, 2,400 sq ft rambler on a large lot in highly desired area.

For each property, I have a few accounts including a high interest earning savings account for reserves within the platform.