The most unexpected part was the process of getting an occupancy permit.

My investment SFH is worth conservatively about $205,000 and I am looking to pull out $130,000 due to a renovation I’m having to do on another property unexpectedly.

This way you have an established pot of money to pull from if you reveal something unexpected, and if you don't need it, the owner hangs on to it for something else. 

If you are using hard money you need to budget for the points and fees as well as traditional third party closing fees.Repairs: The money it is going to take you to rehab the property plus an extra 10% of estimated repair costs to account for unexpected repairs.Holdings Costs: Here is where a lot of investors get tripped up.

Often classified as "Reluctant Landlords" for never planning on having a rental home, but being thrust into the realm of owning one by an unexpected relocation.  

Over the past few years I have used the money to pay for my honeymoon, finance investments, pay off unexpected medical bills and pay my property taxes all while having a permanent death benefit in place.

Be conservative on the numbers and make sure you plan for the "unexpected".I can tell you that in just going through a few of these, I have learned a lot. 

@Kristi Allain Thanks appreciate for your The delightful feedback.

The massive increase in sales in small town America was totally unexpected for me. 

Maybe you saved it or maybe you got an unexpected windfall that somehow showed up from a distant relative you hardly knew existed.