Exciting stuff!

On Student rental side of things I would STRONGLY warn you against that UNLESS you can show you really know your stuff in this specific St Cloud market for specifically student rentals.

We live in a heavily wooded city and this stuff is par for the course. 

I don't care about what someone else posts about me and that stuff is still there.

Copper is expensive, you want to use pex (and make sure they don't buy the cheap stuff from the big box store).

When I go home I want to take less stuff, not more.

By the way 2.5 years ago going back to GR I was hearing similar stuff about price of RE in my market being too unaffordable but statistically it was more affordable than most of the previous 60 years.  

They might request to re-process some aspect of the loan or to show some proof of some things, but most lenders don't want to deal with all of the back-end stuff on something like that. 

I let them know I would expect a refund if a guest complains about dog hair or something else pet related.

They don't care too much about the other stuff.