I own a duplex in Clermont, FL just outside of Orlando and initially wanted to split water meters between the two units, but the cost and amount of work were higher than expected.

I think they used to go up to like 80-85% CLTV depending on credit score.

A great REALTOR will help you gather rental history and the cost to own and show you good sites for pulling rental projections, but you will need to do your own calculations.Everyone's mileage varies.

It costs roughly $100/mo but is well worth the expense.  

It depends. all you talked about was the property but financing is more about the borrower, their experience, their credit, the cash available etc.

I don’t have any horror stories but every time I go to run a check the cost has gone up.

You’ll put 5% down but get 2% back on sale (which might pay for your closing costs) and then do a rent by the room to cover your expenses and downpayment for next year) Not sure which university you are at but both Henrietta and South Wedge are solid places to start (serving RIT and UR respectively) Good luck, I personally think Rochester is a great area to start due to constrained supply with a growing population

Some even offer preferred interest rates as low as 5.75% at no cost to you. 

And that can cost you time and money.

Hi @Charlie KrzysiakIt is all depends on your goals.