Student housing is a definite no for many or perhaps most/all standard carriers but pricing doesn't necessarily have to be triple.  

The VA really doesn't like second-position loans.

I'm aware that Florida doesn't have hard limits on what is required up front, but I'm curious what others do. 

You could argue tenant never made you aware of the leak so it’s on them but normally that doesn’t get you anywhere.

Waiting too long to refinance can also leave you with less favorable market conditions.Neglecting to Build Relationships with Lenders:Many investors assume refinancing will be easy, but without building good relationships with lenders or shopping around for the best terms, you could end up with a deal that doesn’t work for your investment goals.Ignoring Cash Flow:Some investors get caught up in the equity gains and forget about cash flow.

What state do you live in that doesn't allow you to work at 15?

Augusta, GA is the home of the Masters and a lot of folk vacate their residences in order to make some cashola.I don't mean to bust your chops on this as the info was great, but it isn't a loophole and the IRS doesn't consider it a loophole.

Great rule of thumb too...doesn't make sense otherwise at all.

Someone told me it doesn't.

I have nearly $100k to invest but would like to use it in a way that multiplies it and doesn't tie it up for long periods of time.