My day job has software that contains a feature that could help with #4 and #5...To post an item the process is to enter it into the search bar and a list of previous items appears. 

Note many cap ex items have lifespans over 20 years.

Get the lender to explain the items to you- Dont make surface level comparisons of monthly payments or APR.

That's my top priority for wish list items and no brick and mortar bank can help with that, lol.

If there is a shortage when either item is paid, the servicer will pay the amount due and increase the mortgage payment to cover the shortfall.

My stone countertops have lasted longer than any of my laminate countertops as well, so I tend to stick with it.If you're worried about sealing the granite, I have that as a checklist item during turnover so I don't worry about having my tenants do it.

That is just some of the items, there are plenty more. 

Being able to recognize those opportunities goes back to the previous two items on the list.  

The second item and this is more a concern I wanted to raise is your objective of reaching 100 doors in the next 3-4 years.

Any items/furniture in the yard is used at your own risk.