@Andrew Syrios @Ozzy Sirimsi @Dave Visaya Account Closed Thank you all for your encouragement and words of wisdom.

Not sure if the powers that be are encouraging any of those efforts yet.

Dave Mosher I encourage you to talk to more banks about what you want to do and push hard for some kind of reaffirmation of certainty as to percentage ltv and seasoning and all terms important to you really.

(This is an encouraging step to help you have better convo with contractors and not get ripped off.)How much demo needs to be done in each?  

I used their lender (which is not required but definitely encouraged), which was a very pleasant experience.

I'm glad you are enjoying them.I'd encourage you to check into any local Investor Meet Ups in your area. 

I appreciate the encouragement.

(personally, I encourage the AirBNB model, I loathe VRBO's fee structure)  This seems to be the easiest thing to enforce from my POV, unless your model is people pay for their individual membership and are permitted to list as many VRs as they like.  

They have three day grace period.I encourage tenants to deposit rent directly into rental account at Chase bank.

I also encourage you to look into the BP meet ups in the area.