I personally do both -- I like to have a dual exit strategy on my properties. 

I’ve seen folks inquire a lot about “cost” be exorbitant but it’s not for the world to set the payroll of the persons assistance they are requesting of.On another note, with that good of an LTV and DSCR - if credit is in good shape you should be in the low 7’s todays market.

From the people I personally know living in some of these new apartments, they are almost at full capacity.

Send or hand deliver her a written letter and talk to her personally about it. 

Personally I'd feel comfortable with a 5-1 ARM. 5 years is a long time to refinance or sell - preferably the former.

I keep coming across ispeedtolead.com in various facebook groups offering their leads to others and I want to know if anyone has used them and their success or reviews on the product.

Look for cracks in the foundation, walls, or ceilings, as these may suggest settling or shifting.Additionally, keep an eye out for pest infestations, particularly termites or carpenter ants, which can cause significant damage to wooden structures.Lastly, be aware of environmental concerns such as radon levels and underground oil tanks, which can pose health risks.Having a qualified home inspector conduct a thorough evaluation is essential.

Just something to keep in mind when looking at these predictions.l 

Legislation is pretty clear in on priority to keep safe unpermitted units.  

One of the key features of the FHA loan was the Self-Sufficiency Test, which helped keep prices in check.