On chairs, you’ll need to look at weight limits, because I’ve seen a lot with a low 225 lb limit.  

Is there a rickety old deck that could collapse under the weight of 4-5 housemates and their friends?

For this reason it's best to build relationships with both categories of lenders.

You can summarize your transactions yearly by SchE tax category to support tax filings.Hope that helps. 

I'd weight the options of high EMD with an inspection contingency so my money isn't at risk, and low(er) EMD with no contingency and I could lose my money.

Also, if condos rents for half the price of a villa so villas has joined condos in the commodity category.

I have lost all my mint.com data and am looking for a similar alternative that gives me robust transaction categories and budgeting.

Both of my properties are in the city and fall in the economy STR category, and my dream is to pivot into the luxury STR space. 

Here are the metrics that I would use in the five categories you cite:  - Household Debt Service Payments as a Percent of Disposable Personal Income (TDSP) - Mortgage Debt Service Payments as a Percent of Disposable Personal Income (MDSP) - Consumer Loans: Other Consumer Loans: Automobile Loans, All Commercial Banks (CARACBW027SBOG) - Student Loans Owned and Securitized (SLOAS) - Consumer Loans: Credit Cards and Other Revolving Plans, All Commercial Banks (CCLACBW027SBOG)I put in links rather than images since BP tends to delete my images for some reason.

@Tatum Littleton Is Empower pretty robust with the transaction categories and search and budget categorizing?