Although as far as selling books goes, maybe more books would be sold with the square peg system and you would help out people who would normally not get helped out.

Normally, this triggers a due-on-sale clause, which allows the lender to call the loan due.

normally from what I've seen on a national entitlement and an institutional level most people avoid deals that don't have public utilities and I'd recommend the same if it isn't too late.

.- Your experience with Furnished Finder is normal.

Because of this, I don't hold them to the same standard as normal applicants. 

For example, a broken fridge door, broken window, holes in walls…Normally I would repair it but what if it’s becoming a constant thing?

Quote from @Joseph Bui: I’ve done it multiple times as that’s how I normally structure my BRRRR deals.

This will get you experience in remodels and much lower down side than a normal flip because you are literally living in the house (so you know exactly what is going on and 0 travel time) and you are utilizing a low down payment, low rate program like a VA loan.

Would it just be a normal refinance process or are there further steps that need to be taken to get the property under my name before the refi is complete?

@Christopher Phillips   maybe i'm reading this wrong, or it works differently in NY, but a 6% seller concession normally means the seller is giving the buyer 6% of the purchase price to use however they want in the transaction - be that for closing costs or principal reduction or down payment, whatevs.A seller typically doesn't have a say of what can and can't be included in the borrowed amount, that's up to the lender and the loan program.