@Josh R. there is another option, one that would raise you're ROI too infinite, eliminate that finance rate too 0%, and via reduction in $-expense, increase cash-flow. 

Increasing your payments with PMI, closing costs, and higher interest rates means that you’re buying your VA eligibility (your down payment amount) at a huge cost.

For example, if you buy in a semi-rural area or suburban area the pool of applicants can be much smaller and with an increase in supply it creates a downward pressure on prices and higher days on market averages.

The point of making money is to increase the quality of your life.

If that's your market, your only choice is to get aggressive or sit vacant.Consider lowering the price but increasing your standards.

It all seems pretty feasible and attractive, but curious if there are many lenders or investors actively taking advantage of the program.   

If you think the mulch is somehow attracting these pests, maybe because it's wet from the sprinklers or something - perhaps swapping the mulch out for smooth rocks would help.

decor and furnishings attractive to vacation renters.

Feeling very confident that once we are completed, this property will attract buyers quickly  at a strong market price.

Here's why savvy investors should have San Antonio on their radar for 2025 and beyond.Steady Population GrowthSan Antonio's growth trajectory remains strong, with a 1.5% population increase since 2022 [1].