The cost associated with insurance for not having 20% is peanuts compared to what you potentially can do leveraging your down payment. 

What the investor will have is a long term appreciating asset; that will provide an increasing cash flow as rental rates increase, and steady amortization as the note is paid down.  

You'll likely also reduce your cost of living by moving to a stabilized apartment.Depending on the cashflow and debt paydown, you can use this strategy until you've built enough equity to reinvest.On the other hand, getting into a multi-family after refinancing will also help you build substantial equity to rinse and repeat in the coming years.

The entitlements would cost 50k to do. we'd make 2 million on the land if we do the deal. stick to the same market and same asset class. we do urban adjacent urban infill for midrise in hotels and extended stays and apartments in Columbus Ohio. what market are you in?

Was just going over with my wife both the increase in Occupancy revenue change and the 2023 versus 2024 Marketing spend for this location. 

We are asking the current tenants to leave as the property is not in optimal condition we like to have our rentals and we would like to fix it up to increase value and rents.

Most cost segregation firms will provide a free cost/benefit analysis quote to help you determine if the tax benefits from the study will outweigh the costs.

Obviously need to check zoning and set up costs etc. 

Also, hyperfocus helps me find a home with the right conditions - a stable but increasing-value neighborhood.

By my estimates, pricelabs cost me approx $25K last year in lost revenue for some of the same reasons you've listed in your post.