Not sure if you've posted elsewhere on the site @Gary Clisele suggesting you're brand new to notes or haven't invested in any education as some of the posts above would imply, but taking your post at face value in a vacuum your numbers don't seem that far off in my opinion. 5K reserves per note is a reasonable starting amount to cover potential foreclosure, servicing fees, lawyer fees, all the little fees that add up even if you don't have to foreclose. 

Rent credit is like renter's earning Southwest Airline miles that are redeemed as a means to purchase any available home in a MHP for a given number of credits (more or less equivalent to the home's value).

She keeps a vacuum, spare light bulbs, sheets, towels, tools, plus all the cleaning supplies in there.

You have airport 15 min away, Miami port 10 min away, South Beach 15 mins away, American Air Line Arena 5 min walking distance, plus you have huge events all year long including Ultra and you have big tech companies moving to downtown Miami.

However, the cabin market in Hochatown, and SE Oklahoma in general, cannot be looked at in a vacuum.

Those that do soon discover the idiosyncrasies of mid-1900's homes that become money pit vacuums.

Well for starters, interest rates and house prices do not exist in a vacuum and both are influenced by the overall strength or weakness of our broader economy.

Our first rental property kicked off 6 years ago with high end laminate planks and they still look new after vacuuming and a wet Swiffer mop.

Never took an hour to remove it or an hour to install it. 1. shut off water supply line(turn handle) 15 seconds2. flush toilet 10 seconds3. vacuum and drain water 2 minutes maybe 4 lay out cardboard(from toilet box) put out trash bag5 remove 5/16 nuts one on each side with hollow shaft nut driver 2 minutes6 pick up toilet and place into bag 2 minutes7 clean up old wax ring from flange and inspect flange 2 minutes8 place wax ring 1 minute9 install new flange bolts 1 minute 10pick up toilet and place on new ring if you didn’t ring right maybe 5 minutes 10 tighten down new bolts 2 minutes 11 cut bolts and install caps 2 minutes 12 reinstall water line 1 minute and turn on 13 flush to check for leaks 14 caulk back of toilet seal if you choose 1 minute15 carry away toilet to truck 10 minutes tops. this a 30 minute job.

Similar to many metrics, it is best if not only looked at in a vacuum but at times it is a good basis or starting point.I'll connect with you directly!