It will save time in the long run and the more items on the QSP the more discount they can apply.

I also applied a vacancy rate of 12%, which I believe to be somewhat conservative given this is student housing near a university which provides for a stable cycle of tenants.

It is not unacceptable to allow your family to occupy your second home, you are still considered the owner occupant under Code B2-1-01 (2019) so you could definitely receive the gift of equity and apply it towards a down payment at closing. 

As far as getting the deal vs contacting a HML first, always get the deal first, as you'll need that to even apply for a HML loan.

I have never had verification what that law is and how or when it applies. 

Since the buyer has cash and doesn't need the financing then the financing contingency doesn't apply . 

Great for applying the BRRRR strategy.

There are not tenants so don't think those apply.  

There are not tenants so don't think those apply.  

I just want to learn what I can and apply what I learn (hopefully sooner rather than later).Any tips, criticism, etc. is extremely anticipated and appreciated.Thanks!