I've managed in some of the most hardcore areas and because of this, usually only the bad tenants are there because they can't get accepted anywhere else.

A runny toilet will usually add about $200/ month so it isn't likely a toilet and the chances of having 5 at the same time is slim.

I usually suck up all the plumbing issues with LTR because I know it will just waste my time and of course plumbing is the most expensive repair every single time. 

As @Jay Hinrichssaid, the underwriters are usually more confused and take a longer time, but the loan officer should at least be able to get you a quote for 30 fixed on your primary.

I usually recommend house hacking a 4 plex.

Everything in your without permit benefits are either lazy, cheap, or cheating which doesn't usually go over well later.

For long-term strategies, a cash-out refinance is usually more advantageous, as it preserves ownership and offers fixed terms.To proceed, start with a professional appraisal to confirm the home’s value, compare refinance terms with traditional lenders, and carefully scrutinize shared-equity program terms to ensure they align with your financial goals.

I'm eyeing a 4.6 before we see real trending downwards, but as usual just a projection never really know.

The military brings a lot of folks out here with a healthy BAH to rent but you usually can find 2 bedrooms hear for around 2000-2500 (depending on area). 

They will accept about 1 out of every 15 to 20 offers.I have also gotten private lenders to lend on the property, but they usually want 8% to 10% on their money.