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.

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.

@Frank Sichelle, I hope to clarify one item you mention:If you, as an LP, are looking into a company, you should be asking for Original Underwriting vs Actuals.  

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

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To be "bullet proof," diversity is key ESPECIALLY when investing in one sub-market.

Also note they will never pay out more than 3K and with HVAC or other large repair item that is not worth paying for it for years.Duck em!

As for returning the deposit if there was clean up, hopefully you took photos of the condition of the home once it was vacant and have an itemized bill to present the former tenant.