I suggest limiting your search to a closer range (if you plan on living in one unit) as I suspect cheap gas prices are not going to be around forever. 

Second, there are a number of factors that distinguish an independent contractor from an employee and paying for someones insurance would definitely not help your argument that they are an independent contractor. 

With this being our primary residence and with all the other factors mentioned above, would you say it is ok to pay the extra $10,000 and not complete all of the finishes we would like to put in the home since some of them would only be cosmetic.

Fee is waived forever with 10% or more disability...Daniel

I would definitely factor in the other expenses.

On the sale side, title, escrow, and most closing costs are paid from proceeds of escrow so they do not come out of your pocket and thus, do not factor into your ROI equation.

Specifically,"FinCEN intends the proposed regulations to reflect the distinction between a seller-financed transaction (which typically involves family members or friends in a one-time transaction) and a person that is primarily engaged in the mortgage finance business but for business reasons or changes in markets, competition or other factors, conducts relatively few transactions within a given period."

Even factoring in unfavorable expenses, many of the nicer homes in that price range are showing a cash on cash ROI of more than 25%.

Hey @Jeff AmoreThe information you provided, in and of itself, definitely isn't enough to eliminate the possibility; but I'd need info on a couple other critical factors before I could really say one way or the other.A few of the questions I'd personally want answered are:For one, how much cash do you need to bring to the table and how much debt are you taking on?

That's also a very huge factors.