Quote from @Deborah Wodell: I've noticed an increasing trend among investors looking for 100% financing or securing 90% financing and then seeking gap funding for down payments and closing costs.

Has anyone ever tried to increase the size of a PEMB?

This increased the property’s rental income potential and market value.

The area offers a strong sense of community, increasing demand for housing, and significant growth potential.

The area offers a strong sense of community, increasing demand for housing, and significant growth potential.

Plans are underway to add a high-demand ADU, increasing cash flow by $900/month.

This allows me to make a full decision knowing the nature of the repairs, cost of repairs and have the ability to back out of my offer if there is a red flag or major foundation problem that increases my repair costs dramatically higher than I anticipated.

Instead of cutting your market in half, I recommend finding ways to allow pets while reducing risk and increasing income.I allow fish tanks up to 20 gallons (275 pounds). 

Even if their pay doesn't increase this is a small enough change for most tenants to adjust to within their budget especially if they come to expect it with their next lease renewal. 5. 1-3% annual increases might not keep up with rent price increases in the short run.

There’s part of the answer.Anyone else experience this same increase in costs?