If something looks great on paper but, some of your boots on the ground point out all kinds of issues, you may be better off adjusting some of your numbers. 

Also, Balloons and Adjustable Rates destroy the value of owner financing in most cases.

My projects never forecast more than six to nine months.What can I do to adjust my holding costs to make them more accurate?

Hence the need for a public adjuster to help me negotiate with the insurance company. 

Flat rate water reduces your costs on leaking toilets.Common in st. louis city.If i recall, 4units or less is flat, 5+ is estimated and adjusted on a periodic schedule. 

However social security looks at your highest, inflation adjusted 35, yes, 35 YEARS of salary.He can go on the social security webpage and enter his old salaries by year (the website even will give you your old salaries) and one can see the if you play with the data and even add nothing for  a few years in the future, it really does not matter much in the benefits. 

@Noel Devere-Bennett$600 * 12 months * 16 units = $115,200 Gross income$115,200 * .95 (5% vacancy) = $109,440 Gross adjusted$109,440 - $15,000 = $94,440 NOI$94,440 / $400,000 = 23% cap rateI think your expenses are way off.

Bathrooms warrant a $4-5k adjustment in this price range.

@John Warren as I mentioned, you have to adjust the numbers based on your reality. 10% for management is the going rate around the country and may even be higher when you consider leasing fees, maintenance markups, and other expenses. 10% for routine maintenance and 10% for capex is pretty reasonable unless you have a newer home.

We often have conversations with appraisers to adjust appraisals as they don’t always see the big picture and are human and miss things.