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!

The extra $43’000 will go into transport of the equipment as well as building an enclosure for it.

AND you can know put as little as 5% down on a conventional loan, which is a better loan anyway if you can manage the extra 1.5% down, does NOT have this test for 2,3 or 4 unit buildings. 

Rent out any extra rooms in your unit - live in the basement if possible to rent out all the bedrooms. - Goal is to generate as much cashflow as possible to pay down mortgage to refinance and get rid of FHA or PMI.

(Trying to skimp on coverage by not telling them you're Airbnb-ing the place will defeat the purpose of insurance if they deny a claim because you weren't truthful.)There are specific STR insurance carriers like Proper Insurance, but most major carriers offer a rider for vacation rental or short-term rental insurance as well. 

my cleaners do charge extra if there is a pet, as they said extra is involved.

Fine, he said he would refund them the extra day separately.Fast forward, he never did anything.  

The implications of taking money from a retirement account(if not Roth) is that the distribution will be considered income and potentially subject to a 10% penalty.In my opinion, real estate investments and securities within a retirement account are used towards your later years.So it doesn't matter whether it is in one bucket or the other.If you are subject to the 10% penalty, I would only take out a distribution if you strongly beleive your return from real estate will be several percentage points higher than what you can invest in with your IRA.For example, if your return within the IRA is about 8% and you can make 10% in real estate, I would consider doing the distribution because the extra return will pay off the penalty over a few years.Best of luck

That way regardless of 2-4 units you can add an ADU for you or as extra rent per month.Most of my customers tend to buy outside of CA but it is possible to buy in Cali if you are going to buy as a primary home.

This is truthfully the most overlooked aspect of most investors business.