I've been in the Air Force for the past 10 years and I'm hoping to use this as a means to becoming financially independent by the time I retire in another ten years so that I can focus on what makes me happy rather than what pays the bills.I am currently living in the Richmond, VA area, where I own a home that I will be renting out in another year or so when I leave here.If anyone has any advice, I am all ears and I look forward to participating in these forums!

@Brent CoombsI do believe i could get all my cash back, I have heard this method preached by many people on BP over and over again and I'm convinced it will work...but you must understand that this is our first one so there is always the air of uncertainty since we haven't gone through the process. 

One thing to consider is that I don't believe it is technically legal to VRBO/AirBNB. http://kutv.com/news/get-gephardt/air-bnb-rentals-...I did have a friend who used his house as a winter ski rental and seemed to have good success with it.

While most Net Zero buildings are energy efficient, perhaps even highly so in comparison to minimum building code requirements, there is nothing requiring them to anywhere new the efficiency level of a Passivhaus   .... this is why you will see odd things like warehouses with large rooftop solar installations being able to claim Net Zero.On the other hand, Passivhaus sets three metrics which a building must meet to be certified as Passivhaus compliant:  The building must have a heating and cooling demand of not more than 15 kWh/m2 (4,755 BTU/sq ft; 5.017 MJ/sq ft) per year  and a peak heat load of 10 W/m2.Total primary energy consumption (energy for heating, hot water and electricity) must not be more than 120 kWh/m2 (38,040 BTU/sq ft; 40.13 MJ/sq ft) per yearThe building must not leak more air than 0.6 times the house volume per hour (n50 ≤ 0.6 / hour) at 50 Pa (0.0073 psi) as tested by a blower door.Ironically, the research and pilot projects which fuelled what eventually became the Passivhaus standard was carried out in Saskatchewan as a National Research Council (NRC) project in the 1970s (the house is still in use today) and a similar project (Minnesota?)

What DF did to investors is put us into a box of "preditor lenders" that DTI and 1003 and ATR ability to repay is the regs attempt to force us to prove this loan is NOT preditory, is affordable and a good value.A lesser talked about need is to show that selling price is "market value" and not a picked out of thin air price the investor picked to their advantage.  

HVAC service call for no heat/air or plumber to fix leak or regular grass cutting) and it also assumes there are no capital expenses ever (ex. need to replace water heater or furnace).Looks like there's plenty of a cushion to account for those things, but 35% is if everything runs perfectly forever which isn't going to happen!

@Dustin Palls, it is my understanding that contamination can often result in the removal of air ducts and even attic insulation. 

Dover seems to be a good opportunity with colleges, Delaware government offices and an Air Force base. 

If your putting a loan on the house then just make sure the big items like the roof, heating and air and windows are in good shape so that you dont have to replace them in a long time. 

Little knowledge is dangerous, with that said, I will not waste time shouting at one's ear who obviously only wants to hear things that's pulled from the air.