Fortunately lenders are starting to seeing the bigger picture and comp these additions more in-line with multi-family, rather than SFH which it is. 7842 Lasaine Ave, Northridge.

Yes, it's true that you might be able to find a product you need at a greater discount when a brand like Wayfair or CB2 is having a sale, but I've found that they truly do offer superior discounts at scale, even considering the fee. 

You may find this a viable option with rates where they are, especially if your rental income continues to cover the mortgage.Home Equity Line of Credit (HELOC): If your property qualifies, you could use a HELOC to access the equity without disturbing the current mortgage.

I imagine cost of labor might be a little bit cheaper in Idaho compared to Connecticut as we ended up paying 10k for gas furnace and 5k for AC with 10 yr warranty for Lennox product.  

I could be wrong but I am unfamiliar with any products existing.

I stopped reading after reading your subject line...know this:The #1 reason why landlords fail is due to their failure to manage to the lease (Source: American Apartment Owners' Assn). 

 @Jordan Laney Asking what others pay for snow removal and comparing your yearly spend to past years is not productive.

My line of thinking is, Airbnb allows "Legal Entities", IE a multi member business. 

I had a call with a loan officer yesterday and I am very intrigued, but haven't heard much in recent discussions for this product or found anything in the search bar for this bank. 

It all cash flows like a gold mine until the roof needs to be replaced, the main line goes, or you get your first turnover bill and need to upgrade a kitchen.