The excess we save and if we have vacancy or repairs, we got cash to handle.

Don't unless you want to pay penalties in excess of the return you'll get on your RE investment. 

Hi @Norbin Cruz The spray foam is a great idea(as long as it’s not so tight that moisture can’t escape the house.)

Obviously the big pieces of the puzzle are already in place, so it seems a bit excessive to me to pay a typical commission.Thanks in advance for the input!

i thought it would be a cool look, but obviously, moisture could be an issue. 

LVP is 100% vinyl which means that is much more susceptible to warping, especially with excessive sun or heat.

We did this while living off less than your excess income.Once we maxed out loans (Some married people get 10 each, but then again, I had no income.)

When I first paid for excess water usage, I calculated it based on the same quarter the previous year.

It is excessive to deny a new tenant because their prior residence had an infestetion!

Also, a reason not to accept a security deposit from a nonprofit or social service agency is because if you get into a conflict with the tenant, the organization will "advocate" for them, including legally, and may be quite absurd (and incorrect) about the level of "rights" they claim for the tenant, and this is super stressful, and also, now you have a very entitled tenant who thinks you're obligated to put up with all sorts of awful behavior- because they've been erroneously led to believe that they have excessive "rights."