@Jennifer LexonTo find a move-in ready property in Cleveland, Indiana, Kansas City, Memphis, and Pittsburgh, consider factors like affordable real estate prices, steady economic growth, strong rental markets, diverse neighborhoods, and diverse economies.

So your best bet is to find another lender if you find specific items that you do not agree with 

A lot of investors just gets their contractors in there and get itemized bids especially if the contractor has good eyes.

Some leases say these items are "payable before rent".

An investor is probably coming in to understand if there are any big-ticket items they didn't see when they looked at the house that might change their rehab estimate.

@Ryan NelsonYou’re a little confused about the items in the offer.Seller’s concession means that you would agree to allow the buyer to add the closing costs to their mortgage.

. - typical due diligence items to gain confidence and assess credibility before turning over any of my hard earned money.

If this is the case, don't be afraid to do the bare minimum to get the space up and running, and then add items as needed over time after you have some rental income to play with.However, if you are planning on transitioning these to STR's in the future though, I'd definitely recommend getting as close to fully set up as possible before launching. 

Scale comes down to just a few items which I can tell you for free right here.1. 

Then you are "allowed" to spend the remaining $850 on mortgage and other items.For my Bookkeeping Clients, I suggest to them to use a Savings account for these items to add interest income to their account until they need it.