And you can structure the loan to be an adjustable rate if you want lower rate & payment now and refinance if rates increase.

Adjust based on starting capital and yearly capital allocation.If that number comes out way more aggressive than you expected, then you need to look at maximum leverage, possible value adds, etc.

I have done a lot of research, and I am well aware this path won't be easy, and it will take a lot of adjusting, especially with a kiddo on the way, but I'm determined to earn more for my daughter.

in theory, yes, although those types of expenses tend to lag in adjustment.

It's common in our area, especially HUD.Put another HUD property under contract this week and just budget for fixing some leaks.I don't think it is worth messing with the seller, next time just include it and adjust your offer.BTW, the bigger expense could be when the sewer lateral gets clogged.

@Joshua TremblayYes,  called a public adjuster, and ending up with more than I thought, even after paying his fee.

Adjust the temperature knob on the water heater.

I'd say a lot of it depends on your long term goals and how you want to get there and the speed.

Just a thought, maybe try a biscuit system next time and see if that speeds it up.

The thought would be that we could then possible qualify for a loan to satisfy those of us that need the cash or a portion of their inheritance and adjust the trust or LLc accordingly.Any Thoughts would be appreciated.