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One addition: check what the management percentage actually covers. Leasing fees, renewal work, inspections and coordinating repairs may not all sit inside the monthly fee. If turnover creates a vacant month plus a separate leasing charge, your vacancy and management assumptions may overlap...

Insurance is the number I would refuse to estimate from a generic percentage. Get a quote for this exact address and intended rental use before judging the deal. The premium and coverage limitations could matter as much as your maintenance reserve. At $6,704 a month, annual gross rent is...