Your maintenance/cap ex is far too low if going sustained costs (full lifetime of all components).  

I am also a single gal in my fifties who after divorce just bought a colonial for my own residence last year.

Quote from @Jeev Trika: I paid for a lifetime membership and then still got charged. 

.: I am new to this and trying to gather as much  information as possible.We are mid fifties, living in a tourist area on the coast of GA.

@Sheila Sumter I would reserve a minimum of ten percent to cover maintenance and another twenty percent to cover insurance, tenant exodus, legal fees and other misc issues 

LifeProof - 22 mil wear layer, lifetime warrantyTecson - 20 mil wear layer , 50 year warrantyI've seen in the BP threads that many investors here seem to like LifeProof, but couldn't find anything on TecSun.

., 8 percent for commercial property) and possibly assign diminished value to or reduce the amount of gain allocated to short-lived assets (Section 1245 property) taxed at ordinary income tax rates by allocating more gain to the building's structural components (Section 1250 property) taxed at a more favorable tax rate (up to a maximum of 25 percent) upon sale.

., 20 to 35 percent) without calculating the actual net depreciable benefit, which is generally between 3 and 8 percent of the building's cost basis, can be misleading.

The last Vacasa deal I looked at, the owner was paying them over 40 percent when taking into account all of the junk fees, not including suppressed rents.And they have zero ability to actually manage properties, because they aren't on site.

Well, if you're purchasing raw land that doesn't produce cash flow, you could expect loan-to-value ratios of anywhere from 30 to 40 percent TOPS, period.