I've never seen anything like this in my life. 

I've never seen anything like this in my life.

The specifics are a 3/1 on 10 acres of land for $195k financed with a home style loan package as an appraisal could not be obtained for a 203k.  

If they miss a disclosure or forget to give even a minor piece of paperwork it could come back to bite them pretty hard for literally the rest of their life. 

It is interesting to see that quite a few primary markets (Phoenix, Colorado, Charlotte, Indianapolis) are still seeing stable occupancy rates and growing rents in both Lifestyle and rent by necessity apartment groups.

I choose a grayish shingle style and used a 30-year architectural shingle.

Most accurate way is to inventory any capex/maintenance items you are responsible for as opposed to hoa, then calculate expected life and replacement costs.

Once given life, the P.O.S. inspections because City Departments filled with people who only care about job protection, and certainly not the well being of the community or its members. 

Unless I make a 20% down payment, I have to pay mortgage insurance for the entire life of the loan.

The difficulty that I am having is when it comes to larger items, such as New HVAC and knowing how much to put away given its useful life when a property is acquired, Painting a property, new roofs (along with determining its useful life), redo of blacktop for parking lots (especially older properties).....these larger capital expenditure items are a lot more difficult to determine in my opinion aside from putting money away for unforeseen maintenance items or vacancy.