Quote from @Sarah Hartstein: Hello everyone, I am brand new to this website and looking forward to gaining some extra insights on property within the US and beyond ;) I started as a part-time Realtor with Keller Williams in Santa Barbara, California, however domestic sales never really “tooted my horn.”

Rent any extra rooms through STR if you’re brave/pushing for max return. 

Structure is important, but consistency in vetting makes all the difference.

The reality is the opposite - if it's not in writing then the PMC doesn't have to provide the service or can charge extra for it!

Consistency is key 

The reality is the opposite - if it's not in writing then the PMC doesn't have to provide the service or can charge extra for it!

You get stuck with higher costs across the board and that 1 extra unit doesn't get you more scale than a quad. on the lending side I agree with others - DSCR is best option.  

I have also run the scenario of putting extra principle payments into the conventional mortgage, but we cannot put away as much, because we have to bank for large purchases down the road.This spreadsheet takes into account that my wife takes a drop in income in the next few years to care for babies (growing family), also factors in major expenses on the rental property, and assumes that we have 10% rate on the HELOC to be conservative. 

But seems to me that anyone doing STR does not benefit much for that really marginal extra penny.

And possibly convert extra space(dinning room ect) in to bedrooms.