Think on things like the property's quality, prospective value, and desirability to tenants.Making use of an FHA loan with a small down payment is a wise choice.

We were under contract for a couple of months while we got through the various contingency periods (attorney approval, inspections, appraisal) and while the tenants were given a sufficient amount of time to move out. 

Investigate your choices for financing, such as FHA loans, which sometimes have lower down payments.

It is sometimes appropriate to give the tenant a choice.

I would give them the choice.

@Mohsin Mazhar look into class A-/B 3/4 units these tend to have sufficient cashflow so you make money even after expenses.

If you are looking for standard finishes/cabinets - amazon/wayfair/HD/lowes has plenty of choices.

As far as the providers go, check out the posters links in this and other SDIRA thread  who are "providers" or "professionals" - they are not allowed to outright promote themselves, but a lot of the ones providing answers are some of the great choices out there in who can help you with this.Good Luck, Dan Dietz

Is it a choice  I can make or there is any law that I must accept regardless of benefit or not?

(If first support agent doesn't understand or says no, call again until you get someone who can help or give you a sufficient answer)If you're comfortable sharing your VRBO listing, lots of folks here are happy to offer tips and feedback to help improve your listings performance.Check out this thread about How to increase VRBO rankingsGood luck!