I got a list from my contractor yesterday:roof - $4300windows - $2250flooring - $3200bathrooms (both) - $7000appliances - $1200paint inside and out - $2600door - $450total - $21,000That's about as detailed as I've ever had. as @Brian Pulaski said, you're paying for a complete service, it's common to get SOME lists of work, but vague ones.

Yes... take monthly MI especially if you know that your ARV or "after repair value," is at the very minimum 125% of your loan amount because this in essence means you have 20% equity (IE 100k ARV / 80k loan amount = 125%) and you can get your MI removed automatically after 12 months min (some mtg servicers vary but most are min 12 months for auto removal w/ equity documentation). 

Are furnace maintenance costs high?

                     $220 Vacancy/minor repairs/maintenance                    $220 a month for water/sewer/trash/landscape/snow (actual should be way less)                     $1000 debt serviceNET loss of $160 a month      The cash flow is terrible of course, but that is mainly from the outsized taxes which was from what I can tell from tax records an extra school levy, total taxes for 2016 were  $2341 on same valuation.

Service chain saws, chipper, RAM 2500.

Another option is a bridge loan until the yield maintenance clears depend on how long  is left on the note.Do you know how much the yield maintenance is?

I'm currently an active duty Marine with 14 years of service.

I think your maintenance budget of $400 is very low.  

@Jaime Paniagua I have not personally used these services so I don't know for sure, Lending Club has default numbers on their website, and I'm not sure about Realty shares.  

Hi @Eric Bate.I've interviewed a local CPA (Plymouth, MN) and will be using his services for my 2017 taxes.