Maybe you (or anyone else) can shed some light on this, and let me know if I'm missing something?

Or use *slightly* nicer finishing materials.For example, if your competition is using laminate countertops and engineered hardwoods, you might want to use *new* laminate countertops and low-end real hardwoods.For my rehabs, I like to ensure everything (paint, flooring, fixtures, etc) is brand new, even if relatively low end.

I cut the wire and the pipe before a 90 , and start pulling .  100 feet of pipe filled with water with a 20 lb pump at the bottom isnt light .  

It includes things like kitchen cabinets, flooring, wall tile, fixtures, appliances, color, etc.

:D Seriously though just to be able to spend months traveling the world at a timePerhaps you can accept rent in the form of Pepperoni Hot Pockets and cases of Bud Light? 

Also ask for there handyman list they will give you the name and number. and ask about light fixtures that may have a hair size scratch what a steal you can get.2).

And I'm very conservative about having reserves so I don't take cash flow lightly.

Until you have all the elements necessary for a complete loan application, these disclosures are meaningless in light of the new TRID requirements which went into effect on October 3, 2015.  

Don't underestimate the cost of installing all of those fixtures, plus emergency lights (which you should put in common areas).  

It might also be marked "A a", both upper- and lowercase There's likely a "Caps Lock" or "A" indicator light somewhere also.