I have an incentive of $25,000 for going with the builder-specific lender, and I'm trying to figure out the best way to utilize it.

From the homes we manage here in Central Florida any benefit of your utility bill is negated by the financing of the panels.

Those are not sustainable and realistic appreciation metrics.

I want to ensure I’m offering fair pricing for owners while building a sustainable business.

I then spent a majority of my free time learning as much as I could on the different styles and strategies that have been utilized in the past, reading everything from Lynch’s One Up on Wall Street to Graham’s Security Analysis, to learning how to build out financial models in excel.

Utilizing the years of experience from the people on the forums will allow me to talk intelligently with a realtor, the property manager, the seller, and so forth.  

But, if you pay utilities, it might make sense to add a bit for the extra water / electricity.Personally, I would use this as an opportunity to tear up that 3 year lease. 

I am estimating at least $50,000 between furnishing it and updating.How does this look:$1.3 million with 20% down DSCR loan buy-down the rate from 9% to 8% 30 year = $9,332 (principal/interest/tax).Utilities - $750Income - Was thinking $250 per day but let's say $225 per day for each unit (30 days) just looked at AirBNB and AirDNA in area = $13,500 (.20 vacancy) = $10,800.I would manage it, but still need to think of cleaning fees.

Let me know if you want to talk in details about more strategies to utilize your equity and congrats on this property!

You probably can't change the rate by much, you can raise it some if you include utilities.