Quote from @Carlos Ptriawan: google the excel spreadsheet for amortization schedule  But I'm looking at a number of loans with different terms-- not just one loan. 

Hi Alon, while I do not own campus rentals at this time I have worked with and for many different owners of these types of investment properties. 

Requirement is different State to State.  

@Bruce LynnI just checked pacer and each entity has a different BK number.

My wife tells me that houses are built much differently in Brazil so what I usually expect for expenses could be much different from what you've seen if things break more or less often- What other expenses should we factor in? 

The only difference is, you would also provide POC for tenant (might just be for AL but tenants had certain agents they were under) the notice as well, so they know what's happening as well.  

Is there a big quality difference between using a spray gun and traditional rollers?

I will go back and escalate to their management up the chain.And also I agree many of them are probably out of the market but not updating the listing is a gross waste of everyone’s time evaluating the properties - I would rather spend that 30 mins on a different property that’s available in the market.

After having plans and all construction documents done, we decided to move to a different area.

As far as the early pay off, loans can be structured with different prepayment penalties depending on the lender and state the property is located.