How can make sure that I do not go over the comps basically putting my self in negative.

The Turnkey word evokes such negative reactions because of experiences just like this one.  

I only seem to be able to find avg rates for homeowners and its different for 4+ unit income properties correct? 

You could be trapped in a negative cash flow situation for a very long time if the market softens.

It's 20' ceilings, so I only wanted one contractor to fix it, so we waited.This week he had me on the schedule, I told him I would arrange for a lift and have it at the house yesterday morning,,,all so good, right.  

My wife and I currently hold w-2 JOBS, I only work 36 hrs/wk Fri-Sun which provides me four days during the week to watch my daughter and learn about REI (bonus!).   

@Josh MitchellAs Richard said, that's a bad deal and you will find that it's cash flow negative in the long run.You won't have vacancy? 

No one wants to move when it's negative 30 outside.To learn more about Milwaukee, @Dawn Anastasi and Mehran K. 

So, overpriced home with negative cash flow was what that seller financing deal ended up turning into.  

I was taught that if I only had 8 hours to cut down a tree, then I should spend the first 6 sharpening my Ax.