It's easy to obtain, costs very little, and doesn't require extra, on-going effort to maintain.

Other option is try to come up with extra money to refi into a long term loan.

It could be any side-hustle you want just as long as you like it and your able to save some extra $$$.2.

That said, some lenders might be open to negotiations, but you’ll want to be extra careful about the terms.

In that case, the taxpayer had individuals testify to his character and work in court, which is an unusual scenario and highlights the difficulty of making such a claim.If the TP cannot qualify for REPS, they may still be eligible to claim material participation in the deals, even with less than 5% ownership in some of them.

It could be any side-hustle you want just as long as you like it and your able to save some extra $$$.2.

I would consider the mini-split an extra amenity and ALSO a BACKUP heat source.

I personally don't see a problem paying a couple of extra pts for a 1% reduction in the loan but some people I know are very adamant that we shouldn't be paying pts at this time in the game.

Don't forget to factor for this - upon moveout, we reasonably expect to cashflow around $500/mo, which will allow us to maintain and hold for as long as possible to collect appreciation and yes some extra money toward the next investment. 

Likely not, but if you don't mind taking the risk and spending a little extra in taxes (from missing possible deductions or misunderstanding the law) then that's ok.