You can still choose to do so, so you are not just deferring the cost to a couple years later, but know that this will eat into your equity.   

You get to choose.

Can you maybe give some insight on why you’d choose Indianapolis and any preferred agents, contractors, lenders, etc that I could reach out to would be awesome!

If not, you get to choose. 

I'd rather have as little of my own money in a deal as possible, so if my only choices were 20% or 25%, I'd choose 20%, but honestly, I try to find ways to keep all my money out of the deal, period.I'll borrow so I can offer cash on a property and get it at a cheaper price so that when I refinance, even though they keep "25%" equity in the house, the refinance is on a higher value than what I paid.

I would imagine I can choose to move for a number of reasons, such as a better neighborhood, upgrading to a larger home, getting closer to the city, train, etc.

So the reason you choose to pay the lienable items yourself and back-bill the tenants so that you can be in control or any other more practical reason i am not aware?

Personally I would prefer to deploy my own smart devices as I would prefer to choose the brand and software used to control the devices.

In a competitive market where the seller has multiple options to choose from, Conv 20% down is #2 in line, #1 is of course cash buyer.

(in other words your bottom line allowed you to work a little bit harder to get some more doors and still live off your passive income) Then at the end of the year (I would choose December 1st, or maybe November 30th) you gifted them the amount back for the previous 12 months, do you think that would:A.