Thinking about this from a potential purchaser perspective, purchasing a property that has the main two levels metered separately from the basement could be a positive to someone with an investment mindset...but someone that just wants a vacation property and wants to use the whole property might find this annoying to have two separate bills.

It depends on how annoying you want to be. 

Don’t get annoyed with the fha process.

When people know from the beginning how long something is going to take they're usually fine with it... it's when other guys keep telling them one more week, one more week, no one more week that they start to get annoyed I think. 

I want my clients to annoy me.

. * THERE HAvE BEen SoME IMPROVeMENTS, BUT SME IF THESE ARE REAlLY ANNoYING (NOTE THE CAPS LOCK ISSUe :)(This is on iOS).

I have sufficient funds for a 20% downpayment, but am debating if it might make sense to use an FHA loan only and put 3-10% down instead to keep some funds available for seeking out future deals.Loan would probably be in the $400k range, which means3.5% = $14,00010% (MIPS for 10 years) = $40,00020% (no PMI) = $80,000Of course I'd take the 0.88% PMI hit by going FHA which really annoys me given that interest rates are rising already. 

It's not a big deal for most people, but it always really annoys me.I probably wasn't clear enough in my original post.

It's a bummer, it's annoying, but you're better off finding a buyer that wants to go through with the purchase than worrying about battling over EMD.

New tenants are annoying the existing tenants cause it smells like weed.