I ha lve over 100 now, so the bad gets absorbed into the good so lo g as you run things right and don't get greedy or rents or stingy on rehab/maintenace. 

@Jay Durant, I cannot speak for any local laws, but historically LL pays common items like that.  

@Jay Durant Have you checked to see how much it would cost to put in another thermostat in the other apartment? 

That said single state single lo buyer probably not going to be able to work with the highest quality providers, and given where rates are and then number of lenders pursuing a refi market that just shrunk by 80 percent I would probably focus on purchase leads. 

Many LOs are licensed in 1 or 2 states, but if you find an LO who is licensed in multiple states on the West coast or elsewhere that can be a great person to work with as you are deciding which market to jump into.

@Kenneth Gore the worst part is, many LO's don't even truly understand what a VA loan can do! 

My write-in option would combine a lower monthly PITIPMI with two other key benefits:  30-year mortgages are a BEAUTIFUL hedge against inflation, which is coming and lo is already here. 

Wanted to insure our L/O tenant they were buying a good house.

LO with rent credits give equity = down payment. 

Lo Ciento sobre mi español, mi gramática falta mucho.