But maybe they were delivered to the wrong address and the lady in wrangler simply had behavior that seemed to match a porch pirate.  

It's easy to simply say "no" to folks who don't offer this.

I require tenants to replace consumables like refrigerator filters or HVAC filters.

Here's what I know based on general Fannie Mae guidelines and the specifics of your situation:PMI on HomeStyle Loans: Typically, PMI (Private Mortgage Insurance) is required on loans where the LTV is above 80%.

Hey Quentin, Here are my bits of advice:Prioritize Value-Add Opportunities: Focus on properties that require cosmetic updates rather than extensive structural repairs.

It comes with risks and requires diligent research. 

I simply take a picture, text it to the tenant and they add the payment to their next month’s rent payment.

I would have talked to them BEFORE cancelling the painter and given them the option of which way to go, but since you already cancelled the painter I would simply charge them prorated rent for the 5 days until the painting is complete and deduct that from their deposit.

A new build should require much lower maintenance expense vs a 100 year old home.Hope this helps.

I’ve had experience with both traditional and private construction loans, and here’s my take:Traditional Lenders: The process can be slower with more paperwork and stringent requirements, but they usually offer lower interest rates.