Is 6.125% a standard rate for an investment refi? 

The new(ish) +P .38 ammo is really pretty awesome too, every bit as powerful as standard .9mm. 

Common-area lights or water/sewer?

Is 6.125% a standard rate for an investment refi?

Hi there! I am not sure the protocol for this and wanted to get some feedback. I currently own a 3 bedroom townhouse and rent out 2 of the rooms. On 10/26/18 there was a flood in the home (fault of my own) causing dam...

Have you been able to check all the major systems (HVAC, roof, water heater, etc)?

There is about $3000 in expenses per year (maintenance = $217, pest $450, gas $185, water $1270, and garbage = $1700). 

Restoration contractors deal with insurance losses daily, may already have a relationship with your adjuster, and will submit a proposal for the cost they need to have the work completed to "pre-loss condition" and your standards.

Purchase price: $13,100 Cash invested: $30,000 Sale price: $79,900 This was my first fix and flip, The house was in complete disrepair, it was gutted to the studs, spray foamed, new electrical & plumbing. replaced the water heater and furnace with new high efficient models, new drywall & siding, porches, basically the whole house besides the roof and studs.

Other fees turning water on/appraisals etc$1000$51000 opening cost.