Many people have had a great experience with home warranties, myself included.

I tip my hat to you because you are way ahead of many of your peers. 

.- not sure of your home market but i assume you are choosing ohio for its lower cost.  

Pro tip - Home Depot has a tile from Ivy Hill that looks exactly like Zellige for a fraction of the cost.

If you can’t “always close” on every home you put under contract, aim for 90-95%.

Please extend an invitation to your tenants to visit me in my home (1925 block/stucco construction - a dang bunker for all practical purposes)...footsteps bother them? 

Purchase price: $145,000 Cash invested: $15,000 I obtained the home 9 years and am holding it for cashflow as a single family long term rental.

Hi Irene,I had a client that did this with a home and a barndominium next door. 

I have yet to have a guest ask for a refill or mention the quality (I tried to pick a nice-looking, not-too-expensive brand).Be careful with the scents -- I had a run of people pulling out and hiding the scents and one or two people complained that they were scent-sensitive in private notes. 

One said the 2nd mortgage has to be assumable and the other said it did not.VA issued Circular #26­24­17 back in August to try and clear up the issue:Assumability: If the secondary borrowing is not assumable, the holder of the VA guaranteed loan should counsel the assumer that this may restrict their ability to sell the property to another creditworthy assumer through an assumption in the future.The lender currently servicing the loan still can decide whether or not they'll allow the 2nd.You could do seller financing for the gap and then refinance just that amount with a Home Equity Loan or Line of Credit at some point down the road.