No fees, no pre-pay.

Laborer is around USD $25 per day.  

I was on here pre-pandemic when I tried the STR market.

Licensed with permits ~$3,250.HWT standard gas single family low efficiency without exhaust retrofit $900.Sand and stain hardwood floors, natural stain $3 per sf.Paint interior walls, ceiling trim and doors 3 tone paint scheme 2 coats $3.20 per sf (floor area cost includes paint)Click lock LVT flooring install overlay inclusive of prep and quarter round $4.50 per sf (materials and labor)Asphalt roof installation 3/1 - 800 sf bungalow with 2 layers of shingles - ~$7,900Standard porch cap replacement with 2 new precast concrete steps ~$2,500Used stove or refrigerator delivery and install $350New stove or refrigerator delivery and install $HD model specificUse this as a general guideline. 

Then any rental income you could obtain from that property could be used as an income source for loan pre-qualification.

., short-term rental, mid-term rental)?

. #3: onshoring base-line manufacturing (a) creates more employment opportunities for both skilled and unskilled labor (b) creates more employment opportunities of jobs that elevate and train unskilled too skilled labor  (c) raises base-line wages and benefits via competition for unskilled labor (d) elevates the entire economic chain via more domestic circulation of $ and (e) less exporting of USD #4: stopping illegal immigration defends and protects legal immigration.

I would look at it in terms of whether you can afford a worst case scenario where you're covering the deductible and have a credit line or cash to front the re-build cost and getting reimbursed from insurance afterwards.

both have 5yr pre pay penalty. 

Leverage technology to reduce your labor costs where appropriate.6.