Think I better clarify - this isn't an altruistic attempt to help VRBO 😄, but rather a hope that it might result in a higher overall booking rate if both platforms perform at a high level

I heard that less than 20% down causes additional insurance fee? 

Making additional payments or taking a shorter term are just depositing more into that savings account (it's not like the property appreciates more by paying down the loan). 

Is the portal that the landlord and tenants use an additional charge?

I know hosts have included additional cleaning fees for violations as a deterrent.If none of these solutions work, you could look into completely independent HVAC systems for the two units, though that would be a bigger upfront investment.

Owners mistakenly ASSUME all PMCs offer the exact SAME SERVICES and PERFORM those services EXACTLY THE SAME WAY, so price is the only differentiator – so, they often select the first PMC they call or that calls them back!

That just puts too much pressure on a property to perform and adds a bit more risk than necessary. 

With the potential for strong cash flow, appreciation, and inflation protection, real estate remains a powerful addition to any diversified portfolio.What Do You Think?

That is if purchasing EXISTING performing investment real estate AND have very good clarity of every facet of the transaction ESPECIALLY reasoning for seller selling, AND you have decent market intelligence. 

Additionally, any existing restrictions at the town level (there are MANY) will be abolished, unless deemed "reasonable" by the state.