Hi @Tony H. there are a lot of different factors in play here and so I think the answer... depends on what your goals are (although I don't think 1 is a great option - read on). 

Since this is an investment, I am always factoring RE taxes into my hold calculation but the risk of being in a high tax area is a bit worrisome as taxes have the propensity to raise faster than rents could keep up.

When I'm evaluating a deal I look at two simple factors; can I force 25% equity in less than six months? 

So your short term high interest loan shouldn't be a huge factor AS LONG as you are comfortable with the payments.Heres a phrase to have your agent ask the selling side on the property (THIS IS DEPENDENT ON HOW MANY DAYS ON MARKET) "Good evening Mr.

That should also factor into your analysis as well as the minimum permitted draw amount.

In short, you should focus on major electrical, plumbing, foundational, structural, or environmental factors only if you want your best bet of negotiating down the price.

So, all that to ask this question:If you were me, and considering the various factors I mentioned, what might you do to get things moving along faster?

Vacancy should always be factored in.Not very excited about this deal based on the facts you've given us so far. 

Some SFH HOAs will offer certain group hazard insurances, like earthquake or windstorm, but that's not much of a factor in this area yet.

She probably has lower odds than three years, sorry to say but they use actuarial tables and it is a fact or factoid.