For instance in my market a typical roof is going to run about $5,000-$6,000 & last for 30 years.

For instance, property is close to "druggies " area....An appraiser came to a unit and there is a passed out tenant on the couch. 

For instance, it looks like you have 3% vacancy.

If it was a medical or dental bill, for instance, I'd look on it less harshly than if it were damages to a landlord or unpaid auto loans. 

it depends on your strategy, for instance if you plan on holding long term you should ALWAYS take the longer fixed if its under 6% this way you are assured against market turns but you still can make those increased prinicipal paydowns giving you the control not the bank

However in this instance I dont want to do that because you cant get 3% anywhere now.What do I do here?

The result there is, there are no absolutes.And so therefore, the most "accurate" way to value real estate is with a range of value, not a single point of value.For instance, it would be more "accurate" to say a property is worth somewhere between $100k to $125k, than it would be to say it was worth $100k, or to say it was worth $125k, or to say it was worth $112k.That said, in the above scenario, $100k, $112k, and $125k are all "accurate". 

for instance if her interest is 6.9% then you can find better then that without "qualifying for traditional mortgage"

For instance when I buy a new rental I:1.

For instance, you may not need to replace the wiring for the lights.Also, it goes without saying that you should always get more than one quote.