Here's what I know based on general Fannie Mae guidelines and the specifics of your situation:PMI on HomeStyle Loans: Typically, PMI (Private Mortgage Insurance) is required on loans where the LTV is above 80%.

Then moved out and we're sharing another house hack with less than $200 out of pocket monthly for utilities and internet while using 3 bedrooms and a bonus room for ourselves.

Investment mortgages, like DSCR loans for investment properties, typically come with prepayment penalties (PPP) to protect against prepayment risk and the keep portfolio CPR in line.

I populate all my own mailing lists, which typically involve only motivated sellers (high equity, divorce, probate, foreclosure, tax foreclosure, etc.).

Hi There - We have had several clients make the numbers work here in Chicago typically with either FHA 203k and home style renovation loans.I continue to remind everyone that a single or walk right now will be a double, triple, or even a home run down the road. 

Quote from @Pat Arneson:Usually, the city website has all the utility companies for the city that you should be contacting.

Which profits can than be utilized to carry forward into the then "good" MFH acquisition timing of things. 

Lawn services and snow plowing would also typically fall on the MTR operator.

The latter is what a typical marketing agency would charge, and they would provide and build you the CRM for free.

Lending to grow is typically unsecured.