If you own (2) properties free and clear you could simply do a cash out refinance. 

Should it simply be one of two choices: deny application or accept application with ESA exemption even if the property qualifies for the FHA exemption?

I would like to know more about ways to use OPM  The only way to determine if the home is going to cost you a lot down the road is by determining the age of the mechanical systems & if the structure of the home is sound. 

Appfolio is more expensive but after saving money for these past 5 months I have determined RentRedi could be free and I would pass.  

They simply do Fannie, Freddie, FHA, VA, and USDA loans.

Quote from @Collin Hays: I suspect that the Smokies is your best choice, simply because it is a year-round destination. 

I think it’s a more recent consideration (maybe in the past decade or so based on my digging / anecdotal feedback) and perhaps some of you that have been in the business longer and simply renewing old policies may be getting a pass.  

Review what happened and determine why each item was above or below your expectations so that you can properly plan for next year.Review your prior year goals.Did you buy all of the properties you set out to purchase?

You simply stack and bolt together the rings to the height you want.

You can determine if the cost segregation study makes sense by speaking with your accountant and many cost segregation professionals offer a free analysis.