@Gary KuhnThis is interesting from a management perspective, we charge investors a small fee to maintain an administrative account for their tenant because there is some extra administrative work when there are additional occupants.

Additionally, once I have the loan pressure is on to take the first offer I’m given because of the daily interest costs on the loan, I’ve lost out on an extra $30k on one deal because I pulled the trigger 10 days too early on an offer.I’ve tried to present bankers an offer to fund the loan but I haven’t found the right “combination” as Brandon Turner likes to call it.  

Extra work/risk => extra reward.

However, it's extremely important to note that you CANNOT take the extra concessions as cash.

Then house hack by renting out the extra bedrooms.

Being on the board of the HOA will give you some extra work but also more control of your investment. 

I have an extra bedroom that I will be renting to my friend. 

Me and my partner Brandon whom I work with are hunting down investors looking to make some extra cash.

This is precisely the reason why I'm upset with Intuit, because you're right, had I known this before I could have stopped that tenant from paying through Intuit.Indeed, companies aren't perfect, but typically, when they make a mistake, they go out of their way to fix it manually, Intuit didn't go the extra mile.

That said, if it were me and I would not miss the extra 5% down, I would be locking the 4.125%, 80% LTV deal, saving on fees and avoiding PMI.