I work full time and this is the very first property I have ever owned. 

If I ever did real estate full time, I would try to do 30% taxes, 10% savings, 5% charity, 5% college fund, 10% reinvest in RE, 40% living expenses.

We’ve also acquired a three 3 family houses and used the cashflow to pay for a second home all while working my full time day job for the last 18 years.

Got a Rancher Single family home that is in a good neighborhood, has a large backyard, that is full of potential.

I offered full price split closing.

That would be a mess, and I can’t imagine the builder agree to it without a fight.

My wife has a full time job that pays roughly $50k but I’m the stay at home dad who’s homeschooling our kids.

I’ve also been in touch with a company called Maintence supply headquarters, that provided me a very reasonable turnkey materials quote for each unit that included everything from door hinges to full appliance package.

We did allow painting but were specific about where (NOT in this location) and how much (she totally killed that budget and expected full payment!!!).

In this case, where you don't sound like you're doing a full rehab and you'll have a full mortgage, I would probably do 20k or more.