I also hire one of the big national 20 CPA firms to review returns every 2-3 years. 

Also many other Counties in non-covered States also include it. 

The calculator is a LIVE excel with multiple tabs and all of them are interconnected, you may mess up a formula and you will see awesome returns inaccurately.

Basically wanting to pay two years of Real Estate taxes in 2025 and deduct on 2025 Return when filed in 2026.

So far, nothing.The point is that I believe people spend a lot of money, time, and effort protecting themselves against a non-existent threat.

Someone trying to earn 4-5% return they could get from a bank cd?

Hard to produce cash flow or break even with that much debt, at that rate.House-hackers, however enjoy certain one time (non-scalable) advantages that should be taken advantage of in the early days: - They can assume pre-existing debt like VA and FHA Loans (rather than take it on Subject-To which is dramatically riskier).- They can rent by the room and self-manage to produce day 1 cash flow.- Many of these HCOL areas also have strict limitations on AirBnB or short-term rentals... that do not apply to owner-occupants - thus allowing for extreme cashflow potential for house-hackers.

Simply put the risk of a non-renewal costs more.

I know property managers in every state who use non-refundable application fees and it is the standard for every class of property and applicant.

Matt LawrenceCustomer Service Representative  not to be picky but you as a non licensed employee I don't believe can quote rates like you did in this thread that's a violation I could be wrong but again just sayin..