Hi, it's likely your property was in a multiple offer situation with deadlines attached. 

Have read many blogs and listened to several podcasts, I am sure to listen multiple times as there is so much information.

I do like multiple Ideas.

The house is actively advertised and I have multiple applicants at this time who want the place in 2 weeks. 

I would get multiple bids and ask the contractor to list the material and labor separately.I would suspect that material for gutters is pretty cheap so you might think about doing it yourself as it would not be a hard job or take too long.

A seasoned investor that has done it multiple times. 

I just want to hit this question with multiple angles so I understand how to structure the deal in an educated way as oppose to looking newb(Although I am).

Another one I did, I was not going to do much to increase the value so I put 15% down and the seller held a second for 10% so that I had some skin in the game.Also keep in mind that it is hard to cash flow something that's 100% financed.

@Justin Lee I got a home equity line and used it for multiple small conventional FHA loans.  

We have ran all the numbers multiple times and the property cash flows (from what I've been reading that is hard to find in SF).