Sometimes hard to find this happy medium in rate sheets, though.Another consideration would be taxes - points are typically treated as interest, so if your tax obligations are high this year vs being higher in the future, then this could also impact buying down now vs paying a little more in interest in future years. 

Then there you go.One thing I am looking to try to do but haven't done yet is buy something with zero down on seller finance, put the rehab on a 0% credit card, then refi the seller off in 12 months and pay back the card. 

Don't pay expensive plumber to dig ditches. 

If a tenant causes a claim, why should the landlord's insurance pay - possibly resulting in an increase in premium or even a cancellation of the policy?

Because it is an investment property, you would pay all fees, including appraisal.

I would keep the deposit unless I am able to rebook the dates and then I would only make her pay the difference for any unbooked nights. 

Or you could pay cash now and refi later.

HCV in the area pays $2,200.

That means paying all cash isn’t an option unless you plan to bring another $600k to the table. . 

The benefit is it is revolving so you can take it out and pay it back multiple times.