First, FHA accounts for nowhere near a significant percentage of loans these days...but that's unimportant here. 

You only have the mortgage/note.Also, some counties make you start at a certain percentage of a price they select.

@Jacob Knowles welcome to bigger pocketsI would also include a percentage for CapEx for future major expenses (roof, boiler, ac)And it would be wise to include a percentage for property management even if you manage it your self.I use 10% for capex and 10% for property management It will change your numbers but it will be safer for youBest of luckSteve

Most buyers would rather finance 5k into the note and pay an extra $25....and most would have to borrow/charge a 5k remodel even if they got 5k off the list price.Scott Burns wrote a column a few years back and stated that a huge percentage of Americans would be hard pressed to come up with 5k in short notice.  

Should I be the only member or should I have my (under 18) child be a small percentage member?

That's the highest percentage investment property HELOC I'm seeing in Utah. 

If you pour in more free cash flow into cash, securities, or other assets you may have a lower percentage of your asset allocation in real estate as you age.  

The percentages were great, but I wouldn't rent out older mobiles for reasons stated above.  

All fees and points and percentages should be disclosed up front.  

What is your conversion rate, or, said differently, what percentage of visitors fill out your form?