The Rome apartment was clean but had hairs on the pillow, residue in the bathroom etc. 

If you want the tools and just run with it and also buy into the residual income aspect of exp then that could be a fit.

In addition to the credit union (which gives a better mortgage rate and a 2nd mortgage for another 10%, so in total 90% financing), a real estate broker offered a .25% higher rate and only 80%, residual 10% would have to be via PMI.

You have to get TSP residue off the walls before you prime.

Our experience has been that in cases where there has been prolonged smoking by the prior occupants, the only way to rid the most affected areas of the odour and harmful residues accumulated on exposed surfaces is to gut these parts of the property back to the studs.

That could be a limiting factor and we would run that as well.VA will allow a very high debt to income ratio on certain files, but we have a "residual income" calculation that still need to work.So - it depends on the details... 

@Vadim Babets- thanks for the  post - sounds like you are  already  " overbudgeting " ..as it sounds like you are aware - this is a good strategy  to use  ....unfortunately  with  inflation /  supply chain woes /  threat of  WW3 and covid  residual  issues  - there  is a good likelihood that the costs and  timelines  will only  get even  worse than you are  budgeting  .....(  IMO) 

I see that you're also interested in the residuals aspect these companies offer.

The winterizing will not guarantee some of the small Venturi tubing near the heating & smaller circ pump will not freeze & burst because of residual water.

Yeah, you can do self-adhesive fiberglass tape with the back blocking described in the article, and it's truly beautiful.