How long to raise your score depends entirely upon you and your credit habits.

It's totally up to you but I think very few investors would suggest less than 7% on anything with 20 units or less.As for repairs, the 10% you have total is for reserves (I think these are actually pretty good numbers depending on the age of the place).

We are probably looking at another $22k or so in debt service depending on the offer price and interest rate.

All depends on the contract you have with them

It just depends on what services you provide.

This will largely depend of course on the actual state of the property and the types of tenants you can get there. 

Depending on where you are in the process too the closing attorney would need more time invested in updating the HUD. 

@Eli M.Well - a few considerations.This will depend on your deals. 

Depending on the duration of your tenant, you can calculate the amount of extra money needed to set aside for this expense.

There are a million calls from unqualified tire kickers that will try to waste time, schedule appointments and not show, ask for applications and never return them, etc. . .It will depend on the area and the market and the price and value compared to the market of course -- that's my experience in 'A' and 'B' neighborhoods.My last unit, I tried to push the market and got no qualified applicants -- 10 days later dropped the price by 4% ($50), and got 3 qualified applicants in the next week.