I’m continuing to work with the tenant, but we’ll be approaching two weeks late with no signs of plans to pay.

@Bonnie Low - it's important to know what services you're paying for.

I am finally at my two year mark not being W2 so if I can skip past DSCR loans and the such that would be much preferred as I dont want to pay the fees if I don't have to as I am trying to get some money I put into each unit to renovate back out of it. 

Sometimes hard to find this happy medium in rate sheets, though.Another consideration would be taxes - points are typically treated as interest, so if your tax obligations are high this year vs being higher in the future, then this could also impact buying down now vs paying a little more in interest in future years. 

Then there you go.One thing I am looking to try to do but haven't done yet is buy something with zero down on seller finance, put the rehab on a 0% credit card, then refi the seller off in 12 months and pay back the card. 

Don't pay expensive plumber to dig ditches. 

Because it is an investment property, you would pay all fees, including appraisal.

I would keep the deposit unless I am able to rebook the dates and then I would only make her pay the difference for any unbooked nights. 

Or you could pay cash now and refi later.

HCV in the area pays $2,200.