Thank you Samuel, and that is correct, by exposing the view I created a lot more interest and value for potential buyers, I’m not sure what effect it had on the appraisal.

As you explained, the most important thing is to get a reliable local lender and title company who can work things out effectively.

And I know it's a bit vague, but there are so many different ways of approaching appraisals based on thousands of variables that it's hard to effectively answer your question without making it a tad long-winded. 

Ceiling fan install cost me $50, and sink would be between $100-$150 to install depending in the condition of the pipes. i think Garbage Disposal would be around the same.I don't do them in units, its just another thing to maintain.

A "true" umbrella policy covers everything that you own, so companies want to have all of the underlying policies in order to maintain positive control over liability and policy forms. 

If you know your market, how to effectively analyze deals and have a rockstar core 4 (agent, prop mgr, contractor, lender) in place as David advises, I think you can invest in any emerging market no matter how close or far. 

To answer your question, banks will rarely call the loan due if paymented are maintained. 

@Johnnie Bembry Okay so youd be able to withdraw about $20k or so if you have to maintain 20% equity.I'm not sure it's worth it quite yet then

A partnership doesn't compartmentalize liability as effectively, and the requirements for a C-Corp tend to be too laborious to justify it for smaller outfits.

Get clear with yourself about how you want things to be run and develop an effective way to communicate those guidelines before they sign and things should improve.