does HOA have adequate funding for this and other cap ex items.  

We are doing individual room rentals it’s a 6,000 sq ft nine bedroom home Things I have heard to include besides basic items are air fryer insta pot tea kettle vacuum sound machine black out curtains and full length mirror We do plan to add a sauna, exercise equipment and possibly a hot tub.

If you do not own a primary home its easier because you can claim any 2-4 unit as primary and only have to put down 3.5% for FHA, 5% for Fannie Mae or No money down 100% of you are a Military Veteran.Live in the home for 12 months refinance pull some cash out and move on to the next property to buy.

try not to purchase items on credit cards for multiple properties, at 1x, make 2 receipts, and write a reimbursement check from the property account.2.

Another big item of difference between the two products is the FHA inspection. 5% does not require a secondary inspection for the product.

They can spot big ticket items that are not easily seen beyond cosmetic repairs.   

There is also the equity pay down which varies depending on a lot of items (rate, years into loan, LTV, etc) but starts (day 1, improves every month), even at the current higher interest rate, at ~0.15% of purchase for 80% LTV.  

Here's a breakdown based on your examples:Carpet, Vinyl Flooring, New Toilet, New Vanity, New Tub: These items are typically considered assets because they are permanent improvements to the property that provide lasting benefits.Plumber Labor for remodel: Labor costs for installation or repairs are generally categorized separately from materials.

@David Alejandro Hernàndez “harden” your rentals, do not add high maintenance items.

When you do all items, the numbers add up to a large monthly expense   So what did my spreadsheets show me?