Some lenders will waive escrow accounts- some for free depending on the loan product and down payment and some with a .25 add to the current rate. 

I have my STR in Kona, so I'm your competitor.I handle everything, when I bought the condo is not even have permit, so I purchase with LLC DSCR loan, then I apply for the permit, takes a while, everything is so slow in the island.

If the lender you talked to only has this option, you should shop around for lenders that have other loan products-80% cash-out refinance is going to be challenging in any circumstances, but especially with a short seasoning period. 

Mary,I am not aware of a normal insurance product that would cover more than Replacement cost for most structures.  

The second property would need to be under a loan product other than a primary conventional.Appreciate it!

Your granite guys will charge you more to remove it because they have to go so slow, and a potential buyer would have to want that exact color.

Due to item 1, adding an ADU can require years to start achieving any return (once the accumulated cash flow recovers the initial negative position).4) Adding an ADU is a slow process.

How specific can you get in your lease when it comes to tenants responsibility for repairs of things to the house related to negligence, ie flushing sanitary products down toilets, appliances, hoa fines related to negligence of caring for the yard or following hoa rules etc? 

Good for you for not slowing down. 

Super convenient mortgage product