The reality is the opposite - if it's not in writing then the PMC doesn't have to provide the service or can charge extra for it!

@Stuart Udis There's certainly truth to what you shared.

I have targeted Houston Texas ( Harris county), but the competition is extra ordinary.

The reality is the opposite - if it's not in writing then the PMC doesn't have to provide the service or can charge extra for it!

Figure out all the extra expenses of utilities, management, perhaps hot tub, internet etc. go low on income and high on expenses and see how the numbers look.

Maybe if you can take a week of vacation or sick time or PTO or whatever you can to get some extra phone time in.#4 Before you do any of that while you're prepping to get started is detail out all your databases. 

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.