How can I correct cashflow issues if I have 3 properties?

Your specific variable expense assumptions are wrong, BUT you stumbled into them being correct overall.Also, you are approaching this correctly - entering in the numbers to generate a purchase price that meets your metrics:)

The upward trend of those orders suggests there is a WAVE of REOs coming.

Hey @Joe McLaughlin, I second @Dale K Poysers recommendation for Schlage.I will say I prefer the Schlage Connect Z-Wave lock vs the WiFi Encode series.It does require a Z-Wave hub but the radios it uses are much more efficient than WiFi and use about 10% of the juice.

I plan to call lender on this but don't want to wave any red flags. thoughts?

There is no hardest part because everything comes in waves or seasons.

One of our most trusted developers from Yucatán, Mexico, who’s been making waves with their focus on sustainable growth, innovative design, and delivering great value to investors, is taking a big step—they’re building a luxury resort in Orlando!

Yes, you are correct, PersonalUmbrella.com (Markel) and non-renewal letter also says must be admitted. 

Seeing a wave and catching it can be very beneficial.

Many of the neighborhoods which intersect with downtown are experiencing waves of new residents looking to join in on the action.