I keep the rmd the lowest possible however to secure a loan on a home I inherited I had to adjust the rmd higher...now I want to move it back where it was because I am very conservative and like to have money for the unforseen future . 

@Shawn D AugustiBy start up costs if you mean repairs or improvements done to the property before it's placed into service, those expenses are added to your cost basis and depreciated.

I know that you can only have one FHA home loan open at a time, but what if you have a VA loan open?

Also, for VA loans, check with Dennis Kahn at Homestead Mortgage. 

When you are ready, we are happy to review your loan scenario.  

https://www.biggerpockets.com/blog/brrrr-loans-what-are-the-...Short-Term Rental Loans: What Are the Options and How Do DSCR Loans Stack Up?

You don't have to have that to get a loan or buy a home, but it will help. 

Also, you still can improve how they look, blur anything on them, etc.

It can also be a positive factor - possibly an improved infrastructure as it may bring better roads, parks and retail options.

Grants/government assistance can be a great way to get help with the downpayment, but be cautious as some can make the loan terms worse for you.