.- Bathroom surround: white subway tile (3"x6" I think)- Bathroom toilet: white- Bathroom vanity: vanity with top.- Kitchen sink.

Likely the roof and the HVAC/furnace will be the biggest expenses that might occur but a hot water heater here, a clogged toilet there and suddenly the bills start adding up.

-- and then we look closely, and see that A dropped some hit as soon as Fannie dropped it, but B is still holding onto it so the mid-level manager (5 levels above who you get to speak to as a general consumer) can take a fancier vacation this year.The cash out and 2-4 unit hits haven't changed in the last couple years, you still will not get the rate you see advertised everywhere, for a cash out 2-4 unit, since the advertisements are all for rate/term SFR 740+ FICO <75% LTV, etc, the perfect scenario that rarely pans out in reality. 

toilets can easily be replaced (if the current one isn't white) and you can have the tub professionally reglazed. 

We filled up one roll off pan.

Leaking toilets not installed properly, gaping hole in roof, holes left in siding, tile laid incorrectly which will need to be replaced, not installing the back splash properly.

This is the simplest method, but it also means your tenants are more likely to abuse the utilities by leaving windows open with the heat or A/C running, leaving lights on, ignoring the toilet that constantly flushes on its own, etc.3.

I've said this a number of times before, house-hacking sounds good on paper but rarely pans out as people expect. 

Much more cost effective, more units, less maintenance, no toilets or showers to deal with.  

But they leave out the risks they took and times things didn't work out well.Most people started with something they lived in just so they can lower their living expenses and save more money, rent out the rooms or the other unit so your paying allot less in rent and mortgage.Allot of people did the toilet replacements and maintenance themselves in the beginning because they didn't have the money to pay someone else.So find a decent deal and buy it, just get started.It's easy to see people who are at the mountain top or clearly letting their snowball roll down that hill and miss the decade(s) of wading through the swap to get there.All you can do is learn as much as you can from them and just try to roll your snowball a little further up the hill.