I have done around 50 deals, but only 5 with this model.

I was envisioning a two part calculation for the monthly mortgage payment - I see it as a VA loan analogy with no money down but the loan structured with two interest rates (one for the TSP down payment and one for the 30 yr fixed rate mortgage).I guess the real question to ask myself (using your situation as the model, assuming positive cash flow once TSP is repaid) is whether I am okay tolerating the potential 60 months of negative cash flow to get to the positive cash flow after 5 years.- Maybe if it gets the deal going and leads to a cash out refinance before the 5 year mark that allows me to speed up the TSP pay off.Wow - Great food for thought. 

Your business model cannot be sustained. 

At least here in Denver and Colorado Springs, there are certainly homes woth walk-out basements that could be rented out, but there's also a style of home from late '50s, early '60s that have a back door that goes straight down into the basement or turns into the kitchen.

I'm using my latest acquisition, the Tampa property, as a model for my new investments. 

Or if you buy a duplex, live in one side, and work the deal so the tenant is paying all or most of the mortgage (some circumstance like that).Buying a rental house (or 20) the right way, and renting them out forever is one of the best passive business models I’ve ever experienced.

Are their prices clearly advertised on their website or is the model "it depends" which is always a red flag.

Option (a) above, but hand the bank some steam-cooked carrots instead - Bugs Bunny style.

I do a lot of Condo Associations and I'm having more and more trouble with having companies having to cover such a big property amount in say an acres or 2 of land mass.2. have no idea3. not sure about regulatory barriers because there have been plans done through employers or associations where they'll give a specific discount, let's say 5% overall to the employees they can write but that being said those clients typically don't live right next to each other, have the same age/style/value of home and they still have underwriting guidelines they have to go through that can generate rate or every deny the coverage.That help at all?

Duplex in West Adams area.Asking $830000Spanish style house on a nice street with similar houses, mixed single family and duplexes.2 units total, 2b/1b and 1b/1bAbout 1600 sq feet totalI think 2 bedroom could be rented for at lest about $2500 and 1 bedroom for around $1800-2000.I will live in one of them though.Also has a 2 car garage which can be converted into ADU.Has parking plus street parking.Both units need reno.Considering that all units need renovations and I will live in one unit and rent the other and that at some point I will convert garage into ADU.