Question1: I've learned that there are holding costs associated with rehabbing a property. Property taxes, insurance, utilities, HOA fees and loan/financing costs are some of the ones I've recently learned about. Are there any other holding costs that needs to be put into the equation?

Question #2: As an investor, how do we go about calculating these costs into a budget to obtain before rehab? Assuming that these are costs that you'll have to more than likely come out of your own pocket for, whats the best way to calculate numbers in these areas so you can know how much you're going to have to come up with before you start looking to buy? Or can these figures be covered by your lender?