Just took a look at that website and it does seem a bit helpful.

@Benjamin P.I use this equation to back into my maximum allowable offer (MAO)ARV - Rehab Costs - Holding Costs - Purchase & Sale Costs - Desired Profit as a percentage of ARV = MAO

Would it be best to establish additional savings accounts to hold deductions from my anticipated operating expenses (management, maintenance, misc)?

These documents are also often available on the HOA's website or resident portal.Take the time to read through these documents carefully.

My wife and I would be holding long term after some fixing up, upgrades and refinance.

I am looking at buy and holds, so I don't think HM is my solution. 

That is healthy homes initiative. they sell ground leases not new builds. they lose money on the build but amortize it and hold the land until a certain period of time. that's a super soft market way better areas I can show you.

There are other products on the market, but I am just speaking to the buy-and-hold ones.  

It shouldn't neccesarily be taken verbatim, BUT aggregating that statement with other data is useful to underwrite.Buy n hold peeps will say "pay no attention!"

My husband and I are LT buy-and-hold investors.