Yes, I will find out what my lender is thinking about the rate reset, all the steps to take and paperwork to complete etc... but may I ask what in your opinion is the best structure for my loan, and what kind of flexibility on loan structure should I ask for?

i have had ups and downs as well, but was not lookoing for, am not looking for, and was never sold or promised monthly "cash flow," since that is basically not really a thing in leveraged LTRs in the first few years of ownership. 

Not the cash flow I was hoping for.

I know some of it will depend on what the market calls for.

What red flags should I look for?

When I go into one of these smaller banks and go over what Im looking for am I looking for a loan with a 30 year amortization or are they typically shorter term loans?

Let's say I am able to resell in 1-2 years and resale is $10-20k more than what I bought the house for, am I ahead financially despite the closing costs on the buy and sell?

Even in my current house/neighborhood, I couldn’t imagine people being willing to pay 1% of what homes are currently selling for.

And the last thing we want is to be forced to give the neighbor an easement or rent for a construction they never surveyed and applied for permits for.

Being a newbie, I may have some numbers that are a bit off, and if so, feel free to challenge them.So I have seen people assuming Capex of 5-10% of the rent, which would equate to $85-170/mo for a 1,500 sqft 4br/2ba with no garage.When I run the numbers though, I get: $328mo, or just over19%, so I wanted a sanity check.I calculated the following (installed costs):Water heater- $1,000 per 10 years =$8.3/moDoors(8int)- $2,400 per 25 years =$8/moCabinets- $5,000 per 20 years =$20.8/moCounters (gr)- $4,000 per 25 years =$13.3/moBacksplash- $2,000 per 25 years=$6.7/moFridge- $700 per 20 years=$2.9/moOven- $500 per 20 years =$2.1/moMicrowave- $300 per 15 years = $1/moDishwasher- $400 per 15 years =$2.2/moGarbage Disp- $200 per 10 years=$1.7/moWasher- $400 per 15 years=$2.2/moDryer- $400 per 15 years=$2.2/moSiding- $12,000 per 25 years=$40/moA/C- $5,000 per 15 years=$27.8/moDoor(Fr)- $2,000 per 30 years=$5.6/moDoor(Back)- $750 per 30 years=$2.1/moRoof- $7,500 per 20 years=$31.3/moTile (500ft2)- $6,000 per 20 years=$25/moLVP(1000ft2)- $5,000 per 10 years=$41.7/moPaint (int)- $4,500 per 5 years=$75/moGutters (200ft)-$2,000 per 20 years=$8.3/moI would probably need some $ for driveway, exterior paint and landscaping as well, but overall with what I have included, it seems 2-4x more then most people even budget for.