Run the calculations on the expense of doing a refi at a slightly reduced rate vs. keeping the current loan for whatever period of time you think you will hold this house.

HOWEVER, this is a VERY expensive way to acquire property and can backfire if the new appraisal doesn't come in where you need.

Your expenses are not a reason to increase rent!

The rehab expenses don't line up but they are not stealing, I would suggest having a zoom call or sit down with their PM or account manager to see what is not lining up and where you see issues compared to what they have on their sheet. 

My experience is the min is around 15%, but I've read some posts on BP that some lenders can offer a lower minimum (but that usually means a higher interest rate).

I knew that was not true because I had paid $780 a couple months before on a property in the same area and also my realtor told me that her clients had been paying that lower rate.

Your primary home doesn't produce cash flow and is a pure expense.

It’s a lower-risk way to get your feet wet while you’re learning.

It is typically lower than cash-on-cash and you can put it somewhere around 6% conservatively.

@Will Almand this sounds like a very useful case for cost segregation especially if you can utilize the depreciation expenses against your income.