Hi, Did you end up using them?

Super easy and I never had to meet him. 

With all the measures they have, it's never been an issue to my knowledge and the neighbors would let me know in no uncertain terms, as they had a poorly managed STR in the neighborhood previously. 

For example is a personal loan from a bank is 7.5 % that you could use as a down payment (after its seasoned), and your 401k loan is 4.5% but the 401k is expected to return 7.5% per year the money you save on one end you miss out on the other end basically and if your 401k returns are 20%, then you lose out significantly. 2.

Since you are not doing super high end finishes as mentioned, doing high end flooring and all other stuff just above builder grade does not warrant tile or full wood flooring. 

It feels like the focus has shifted from creating value to chasing quick payouts, with little regard for the end buyer.

Never heard of them but trust your gut!

I actually already started two new habitats before the end of the year.1. 

Seems like it's in a lower end area so if it is filled you will have tenant issues and turnover cost.

At the end of the day I would check with your attorney, but I ran this interesting question by my Title Rep @First American.