I have to usually explain that just because the owner made xyz does not the next person will or even care.

• Should utilities, internet, or services like snow removal/lawn care be included, or not?

There are a lot more details that go into two VA loans and the downside but transitioning into a conventional loan on the  investment refinance will save you a lot of frustartion down the road.  

The person who comes into money but not a lot of experience in real estate should be a little more cautious right now.So overall, I am not saying - do not buy, I am saying be careful.

They don't care about Yelp or the internet.

But in this case what is the difference from the buyer prospective, other then they are getting a better loan/ equity situation then conventional financing?

The cold truth is no one cares.

P.S. - you don't care if you don't hire a professional photographer.3.

Looking ahead, once you secure a tenant, perhaps this is something that should be explored to make the next lease up easier.Also, @Caria Mitchell raised an interesting point in saying: We are experiencing a shortage of qualified applicants, I’ve noticed non-conventional applicants vs qualified applicants that don’t have a voucher or some form of subsidy. 

Typically Conventional will end 42% of DTI and FHA can get up to 51% DTI (and based on your credit score I think you should stretch to that 51%) Just a few things to start thinking about as you are working through the process.