Who is responsible for the “error” is irrelevant if the closing docs allocate ultimate responsibility to the party who should pay the item... which they should.This is like refusing to pay your share of a final water bill.

Scratch resistant, waterproof, cosmetically appealing.

My capex budget includes but not limited to: roof 25 year life span, floors 10 year life span, appliances and hot water heater 12 year life span, hvac 20 year life span, kitchen and bath remodel 20 year life spa, etc.

Student loans are just the path of least resistance, you don't have to take them. 

Long amortization periods on fixed loan products combined with compound interest on investments is probably your best bet at maintaining an inflation resistant nest egg.

(This I need to get a better understanding, if i) each unit has a separate water meter that the tenant is responsible for, ii) otherwise if there is a bill-back arrangement with the tenants. 

HOA takes care of Trash, Water/Sewer4.

Do they flag stuff like a furnace or water heater that was replaced and didn't pull permit or are they usually pretty relax unless theres a tenant complaint?

Kind in mind after you buy the house you will have other cost, electric, water, insurance, everything must be working to pass a FHA or USDA home inspection.

The goal is to have public utilities (water and sewer) versus well and septic $$. https://www.themhpbroker.com/m...I thought this was a great thread on valuationhttps://www.biggerpockets.com/...There is tons to read here and videos on MHP investing on Youtube.