I spent close to 10k a couple years ago re-grading and re-sodding my yard, only to have it become a mini-amazon rain forest now.

Business is great here in KC and we are enjoying growing our team and dialing in our operations.AND ... the mountain man beard is now the mini summer man beard, but I'll be ready for the fall/winter season of it when the time comes :)  Go get it!

We do require 10% down minimum and do have an underwriting fee, but it is charged after pre-approval is issued and the appraisal is accepted. 7% is a great rate though (our min is 9%) so it seems like they are requiring tighter underwriting which allows them to cut a few percentages off.

The best solution I have come up with is to separate the electric meters then install ductless mini splits in every unit.

Take a mini vacation2.  

However the advantage second homes will still be that you can put down as low as 10% down versus investment properties 1 unit, the min is 15% down.

Can refi an existing mortgage to a shorter term “Mini Mortgage.”Navy Federal 80% LTV Norway Savings Bank, MaineOmaha MortgagePenFed - max 3 other properties, including primary. 80% LTV, prime + 1%, <4 propertiesPeoples Bank of NCPSECU up to 80% Quorum Federal Credit Union 80% LTV, owned by LLC is OK.

I would say that Jacksonville in a decade from now will start looking like a mini-Tampa of a decade ago. 

If going with a mini-split, how many units would I need?

The property is set up where the basement has a full bath, full bedroom and a sofa bed along with a kitchinette that has a stove, mini fridge and microwave.