and you will find some calculators.

A&D Mortgage in FL will usually look at these. 

Next thing you know someone will move in and squat on you. 

You will also have more cash on hand to complete rehab projects in fewer draws should it be a rehab loan.When using a higher downpayment you'll be keeping higher equity in the property and can often get a lower rate with lower LTV (particularly with DSCR loans).

That will greatly improve your property's value if you intend to sell it.

The big question is how do you know it will be vacant?

Because they will get defensive if they feel you are pressuring them.

Not sure of anyone else that will lend on a property that has a lower value than $75K.

They can also be another item that will need maintenance / replacements if they break down. 

The agreement must stipulate the amount of compensation your agent will receive for their work.