It could also be the result of job loss, career switch, free lance work, self employment, spouse wanting to stay home with newborn, pay reduction, or inability to sell existing home, moving job locations, or any other “life circumstances”.After thinking about it, my opinion on the “ethics” of entering a lease option as an investor with a homeowner/consumer rests on two issues.  

Before considering a buy-down, make sure your par rate is competitive. https://www.philadelphiafed.org/-/media/FRBP/Assets/Consumer...

It’s time to let go and build a real business—one that thrives without consuming your entire life.Discussion:1️⃣ What’s one thing in your real estate business you need to let go of?

But my method of evaluating properties has proven time-consuming. 

Most home electricity is consumed in the evening when your panels are either not producing or producing at a degraded efficiency.To fully offset your electricity cost you will need batteries as well.

They require a place to live, which is why mid-term rentals are driven by necessity.The primary consumers are traveling nurses.

I am responding as a consumer not a STR owner we had one its lasted for us for exactly one tenant then we felt it was too much work for the return  on investment we do much better loaning money and buidling new homes than to worry about people goofing up our homes :)I do have some MTR you know fully furnished homes in Vegas and those are money makers for us top of the line tneants paying double the going rate for rent.

2) Consuming the food stuff of others?

Note I am not stating that you do not have the reserves or assets to cover cap ex (only that you have not allocated it in your expense estimates).Your cash flow estimate is missing some very obvious expenses that will consume virtually all of that cash flow. 

Sometimes companies keep the main site consumer oriented and at the bottom real small is a corporate link to go to their headquarter website.