I don't have funds for the roof, or to replace the outside supporting wall frame and stucco.However the bank has changed the locks on me multiple times to "protect their asset", which got me wondering, would they also put a new roof on it and repair the rot to protect their asset?

The whole point of this was the 6% that was locked in by the seller that the buyer has to pay.  

In some places you can't put bedroom door locks on unless you are a boarding house, although I am not sure if any one checks that.Another thought is if you don't have central air there some boarding houses that have a monthly air conditioning charge if you put a window unit in. 

Then, lock in someone you trust.

They all lead to a significant negative monthly return due to one or more of the following reasons:1) Asking Price is too high2) Traditional loan rates (FHA and Fannie Mae) are too high and affect total debt payment3) Existing rents are too low, so loan underwriters won't approve.4) Market Rents aren't high enough5) I would like to use the minimum down payment with FHA (3.5%) or Fannie Mae (5%).So, from all of these attempts, my understanding is the only way to make a house hack work in this region where I would at least breakeven on a monthly basis, is to purchase at a significantly lower price, lock in a nice creative deal or bring up my down payment to at least 20%.

I've heard the rumblings of several states pushing for time limitations and out-right disregard for history but hadn't heard of anyone pulling the trigger (pun intended) quite yet.I would be happy to share our published rental application standards (defined for central Iowa, reviewed and approved by local real estate attornies) if anyone is in need.

Is there a digital door lock whose code you can change remotely, without a monthly fee? 

Sorry for the question dump but I'm would like to know more before pulling the trigger on Hemlane.

We are also looking at smart locks to integrate into Jurny PMS. 

. *** What loan structure and fees do you all commonly lock down and what would you recommend in my situation?