@Aaron MoayedMost of the buyers I'm working with are purchasing with cash, but yes, a mortgage payment will definitely count against cash flow.Also, that 0.5 was not a percentage: My annual repair estimate is equal to half a month's rent.

But your limited to the first 10 and your primary residence counts as one if mortgaged.

We usually pull highest comps possible with matching bed/bath count and stay within 10% up and down on square footage.

No counting on this though with my decision.2.

But many condo HOAs do have house rules that include things like a certain percentage of floor area (not counting kitchens and baths) must be covered by rugs or carpeting (I see 80% a lot).

As far as macro issues, I think that cheap debt is our biggest problem.

My software adds the charges automatically but when tenants come in to pay they always want to count the days and add it up and have a discussion or argument.

If you want those counted as costs of the sale they'll need to be on the settlement statement.

The following factors adjust one's interest rate:- Unit count.- Occupancy (you did provide that info, ty).- Purpose of loan.- Credit.- Property type (condo is a hit, and you did provide that).- LTV / down payment. - etc.

I can count on one hand (after the tragic kitchen knife accident) the number of situations where going into debt so you can get a college degree is advisable.