@Randall Tannen  could you please clarify what you meant by "non-residential real estate"? 

Here is a link to a post I did that might help you. https://www.biggerpockets.com/forums/12/topics/1108744-how-t...

Why would t they? 

I figured you meant larger developments but you can never be sure if you dont ask. 

@Gregg Camp, rent-by-the-room investments can be absolute cash cows, however, PadSplit is not meant for traveling nurses.

Oh I meant that "this is the reality of owning a STR" post and was hoping people could challenge my initial points and maybe add one or two.

But I think he meant you may have been being "penny wise and pound foolish".  

@Clayton SilvaI think you covered a lot of the angles - the answer is “it depends” - every person is in a different situation and stage of life and some may want to pay points and others maybe not.Right now I would not be buying down the loan knowing the fed will lower rates, which should slowly bring down the 10 year T which would then lower ratesFor me I would guess I would refi within next 3 years so I wouldn’t pay pointsIf I thought I was not gonna refi within 5-7 years then yes pay points

The grace period is meant to be used to convert them to legal ADUs as well as to not remove safe unpermitted units.  

@Leslie Hsiung, my "sell" suggestion was not meant to be taken seriously - IF you can't find a cheaper suitable living arrangement.