To be safe, consider starting with standard percentages or slightly reduced figures until you have reliable data on the property’s performance.

(Making judgements based on family status, number of kids, medical animals, etc etc..)4) When you get that first repair call 10pm Saturday night for a leaking roof or water heater do you have a trusted/dependable guy to call and get it fixed that night?

or you can buy down your rate or pay points to reduce the interest rate as this is a commonly way to reduce your monthly PITIA payment. 

The reason to do so is not necessarily to reduce cost but to be efficient.

I can carry them forward, but it doesn't reduce my actual gross income.

Looking to invest in a few properties over the next 5-10 years and want to get a sense for tenants, common issues, etc.I work for The Realty Medics, a property management company based in Orlando. 

A lot of medical students/medical professionals are looking for a cheap place to stay in the area.

If you have a wider variety it will reduce the risk with your investment.

If you're comfortable taking on more effort for bigger rewards, BRRRR might be the way to go.From a tax perspective, BRRRR may be better because you can potentially benefit from accelerated depreciation on the property, which can help reduce your taxable income and give you a bigger tax advantage compared to a turnkey property.

I specialize in STR's along the coast and have had a lot of success with MTR's for medical professionals as well.