Does it make sense to pay a premium for cheap interest rates with seller financing, or would it just be better to put 25% and forget about my 15% criteria and just go for distressed sellers and just get a commercial loan. 

If tenants struggle to afford food, they'll likely struggle to pay rent.

Tenants pay electric / gas / water. these percentages were from the numbers i inputted in the software.

You can purchase your own ozone machine or pay someone who does this for a living.

But when I add in the cost of paying on the HELOC as well, it gets even farther from penciling.

hello group, I am actually a contractor in dallas/fort worth area and help commercial clients in the insurance restoration industry, we pretty much make there insurance companies pay for new roofing, siding, etc whatever applies. 

I do know that HUD posts rates and the local housing authority can pay between 90-110% of that payment standard for the particular zip code the property is in.

If you're flipping just remember to build a team you can trust and run your numbers for the worst case scenario.

At the end of the day it's not about what you want, it's about what someone will pay for it. 

Many times the owners can not be found or if they are they want nothing to do with it and in a lot of cases if found, I pay them for a quit claim.