My only other option to not pay mortgage insurance forever seemed to be a conventional loan with a much higher down payment and only pay until I reached 20% equity.I was determined to find something better.

And then to talk to people implementing the options you're considering to determine whether it is a good fit for you personally. 

The difficulty that I am having is when it comes to larger items, such as New HVAC and knowing how much to put away given its useful life when a property is acquired, Painting a property, new roofs (along with determining its useful life), redo of blacktop for parking lots (especially older properties).....these larger capital expenditure items are a lot more difficult to determine in my opinion aside from putting money away for unforeseen maintenance items or vacancy. 

I wanted to wait one year for the current tenants as a gesture of good faith upon change of ownership.

When beginning, or choosing a new market, what resources are used by seasoned investors to determine suitability of a market?

Hello, I want to buy properties at the Broward County or Miami Dade auction websites. Both sites make it clear they do not insure the property is free of liens, mortgages and other encumbrances.How do I make sure that...

Before I go to investors, private money lenders etc. Obviously I am going to create a business plan. Does the criteria you are targeting depend on properties in your market/area? What is the best way to go about a bus...

Migration pattern should continue through 2020, easily.I'll reach out via PM to get your questions answered and help you determine if Sacramento is the right market for you :-)

In the most simple situation, at the end, all the activities are netted to determine your net loss or income so it’s not that important how you allocate. 

You could include or not include the selling cost after the repair/rehab if there is a transaction to your ownership or anybody else.