Carpet just stains too easily and needs replacing to often.I also use darker paints for the walls and skip the whites and creams.

@Kaylee WalterbachAfter a long year of sweat, tears, many long talks with God/The Universe/Blue Bell Ice Cream, I got my property appraised and was able to cancel my PMI.

One is vanilla, the other is chocolate, but both ice cream. 

I know I am giving up the cream but, I am not an experienced investor plus I run my business full time .

@Hector Ortiz, the "missing cream" is that if you want to refinance it (or sell it), it WON'T appraise at (hardly) more than they've already made you pay, which means whatever money you put into the deal, stays in the deal. 

Use the remaining 10% to treat you (and your loved one) to whatever it can afford, a dinner, an ice cream, a coffee.

I want ice cream!"

The cream rises to the top.  

(In the long run this is much cheaper.)In other apartments, we do the same with SW Navajo White (a light cream beige)But, we are talking SF rentals. 

@Erez Zada I would recommend joining these groups:Coin is holding in person pod meetings- https://www.facebook.com/group...Coree - https://www.centralohioreia.co...Cream facebook group is great way to network with local investors - https://www.facebook.com/group...