After accounting for these items, I evaluate whether that provides sufficient coverage for P&I and some form of cash flow (even if modest), which I would use to further enhance reserves or make additional principal payments, etc.  

Try something completly different review what you have been doing and some items may jump out at you.

Impossible to answer that as costs can vary dramatically depending on price points, area, and items you do or don't select to have.In CA, I typically experience approx 1.25% of sales price for closing costs on exit (not counting agent commissions which are 5%).On purchase, it will also depend on what you negotiate the seller today for, if you intend to flip, you should always choose to purchase a title binder to save title costs on exit.

And, I can already think of some ways to address each of these items.

The negatives are that the Ardent line item is a non-active external condo fee for external maintenance which varies each month based on work done.

If someone sold you anything that is not needed (home ownership) at a price you can't afford then you should consider renting or scaling down the items you own until it is financially balanced and you can afford that item.

Then I do my own calculations taking into account the items already mentioned that can affect the reliability of these formulas.

If they object to items that they would like fixed or given a credit for and you do not come to an agreement by the Resolution Deadline (or whatever your terminology is for your contract), the contract terminates (in Colorado, the following day).Typically, a Buyer is set to perform a contract under the Liquidated Damages clause which means they sacrifice their Earnest Money IF they do not close yet everything else was fine.A Seller is typically under Specific Performance which means they have to close if all conditions are met or the Buyer can potentially pursue legal action.The general gist of it anyhow.

Not to much, they can buy gold or other reserve currency based items but that leaves a lot of Dollars.

This landlord thought he had a creative and easy way to get rid of his tenant's stuff. It kind of back fired.

http://www.msnbc.msn.com/id/49793971/ns/local_news-corpus_christi_tx/t/craigslist-catastrophe-leads-looti...