Some of my costs just to maintain, and these are just estimates as I dont want to look up the exact amountsMLS = $1,000E&O Insurance = $1,000Board Dues = $1,000Sentrilock = $300Showing Service = $300Continuing Education = $500Licensing Fees = $300

Total Asking Price is 1.8 MillionMonthly income= $30,135Monthly Expenses (excluding debt service)= $15,003Would be looking at conventional financing of 5.25% over 25 years with 25% downOwner would also be open to seller financing

A key measure is Debt service coverage ratio.

You make the required minimum DP and mortgage the rest.

It is providing society with a much needed service, providing safe, clean,  and adequate housing, emphasis on ," SAFE".I would also check with your local building department for what might be considered code violations.

I am quite capable of painting and have a hard time paying for services I can do on my own.

Though I did not use his services I saw his operation and work ethic and found him to be professional and innovative in his thinking and business approach.

Can you refi this property for 70-80% LTV, and wait to get the rest of the equity down the road? 

Thus, if you ask your employer to withhold additional amounts for the rest of the year, the penalty can be retroactively eliminated.

DH is a network engineer and I have worked in ministry/non profit settings as well as customer service settings.