I just want to be sure I write this out correctly in the request for repairs form.

Even if "corrected" it could be much more expensive than a 20-30k price reduction.

( Not sure if that's the correct terminology.)Whatever loss I take in the first year against my wife's income, does doing this change my rental income from being passive to non passive income as well?

Failing to budget correctly for repairs or not accounting for unexpected expenses can cause you to go over budget.

Is this correct even for an ARM?

@Jhamari HoganJason, is correct.

You’ve got this—just make sure you have everything set up correctly!

Most loan packages include something you sign that says that you will cooperate with them to correct any technical errors like this and I believe it also includes the ability for them to sign for you if you don't but obviously they prefer to have clean paperwork where you have signed it. 

As to markets served by wholesalers, you are correct.

I received wrong information from people in the Portugal RE industry before so I'm not super confident the person I talked to is correct I'm just trying to get more data points.In case it's useful for others these are some other bits of info I've learnedRefinancing is possible but it is more expensive than conventional (usually the spread is 1-2% higher) and it is necessary to explain to the bank what will be done with the money.It is not necessary to wait to own the property for a certain time to obtain mortgage credit.