Or what % of the cost is attributed as profit/loss when an insurance company makes a determination on their pricing model? 

Additionally, I have fitness goals to reach a certain weight and performance at running and rock climbing.

I can give you examples of negative or no cash flow investments I made where I made large profits….and a few that resulted in rather painful losses.  

I’m not trying to time the market, I’m calculating values and factoring possible value loss and cost of rehabs and where would my threshold be, that’s on me.

Lifted a weight off my shoulders.

You may want to consider selling and cutting your losses because the community is unlikely to improve in the near future.

Me being a professional over thinker can confidently say… find something that makes sense and go for it, trust the process.I like BRRR, 18months ago We traveled to atlanta, toured like 3 properties and made an offer…. didn’t went trough… but the owner had another house, a dumpster in sw atlanta, close to US 41 in an up and coming place… fair price and enough upside….We bought it and I’ve been re building it up the last 15 months….Didn’t made us rich, but i got my feet wet and learned a TON now i discovered MTR and chose that route, looking to scale the business @Nicolas Londono Gut intuition is best, I always say you learn more from losses then you do your wins!

The weight of a PPP comes down to the investor and how they plan to hold or sell the property and over what time frame. 

Does all of the loss come from their down payment, or only part of it? 

.- a couple of missing expenses: lawn care and you might consider loss of revenue on insurance which will cause insurance expense to go up.