The only thing I'm bringing to the table is my next monthly mortgage payment (PITI), which is a tad lower because of the reduced rate they're also getting me. 

Do you know of any way to get around or reduce the surrender charges ?

. $130/monthCapex $270/monthVacancy $130/monthGas $85/monthWater/Trash $160/monthFinancing: 20% down at 4.65% for 30 years PI $700/month24% COC Electricity is tenant paid and the plan is reduce rents to 610 and pass the other utilities on to the tenants as well.

From a future DTI standpoint I don't believe that you can use the income generated (by roommates) in order to reduce your ratio, even if you have two years of tax history.

HUD  had just reduced the price and it was a good deal if the house didn't need a lot of work.The inspection period was really a joke.

If I keep home I will keep having rental incomeIn case I do - A.I get 500K i can reduce mortgage on my current primary home which is jumbo - so it will become conforming and may be invest some money in tax managed balanced funds.B.

HOA fees reduces your cash flow and your pocket in case of vacancy.

Several companies are now making vinyl windows with better insulated spacers and sashes to reduce the thermal bridging and claims they are less prone to warping.  

I've got my mind set on buy and holding/renting and landlording in Salt Lake / sugar house area.  

No marketing expense, no legal fees, and reduced closing cost.