@Aaron Johnson1-4 family homes are FHA eligible.FHA limits are based on each county around the country and the owner's ability to pay.FHA includes mortgage insurance for the life of the loan.you can put down as little as 3.5% for a 1-4 family home.there are some allowances for adding closing costs to the loan.

AP is a form of insurance - litigation insurance.So, if you have enough to protect and reason to fear litigation (and it sounds like you have), then you might want to look into asset protection strategies (which includes establishing of LLC).

Does that payment include Escrow?

Want to finish the outside concrete patio as one last large project and be done with improvements.Hindsight:  Should have went with a 3-4 unit place but just glad to get started. 

Our no-smoking policy includes vaping.

I honestly don’t know when we will move but it will be in about 2 years if we do, (finishing school)

@Minh Nguyen have you included the condo fees in your calculations? 

Creating a savings plan and budget for the purchase of a duplex, from my understanding the following expenses typically include what I have below,what else am I missing ?

I wanted to do it myself and ensure it wasn't a full finish to avoid paying property taxes on additional livable square footage.

From that report you can decide what will be included in the Rehab and what will be covered by your CapEx reserves.