Thanks for the extra detail @David M. - the other part of this equation is that I'd eventually like to buy another property where I am now (I'm currently renting). 

So my question is - is there a way to offer an extra 20k outside of the normal escrow process?

The details are.

Unless you're in a situation where you're at high risk of being sued like a doctor or you have a lot of assets and people are after you, I don't think it's worth the extra hassle

TIA This gives you extra outs in the contract.

So I don't know if that completely invalidates AirDNA or simply confirms that you need to take an extra step when really diving in. 

It really comes down to whether the extra time for me to do it will cost more in lost rent than hiring it out.  

PMI is so cheap that you could put that extra 15-20% into a US treasury bond and have more than enough to cover PMI. 

I haven't done it, so not sure of all the details.  

By using separate accounts or detailed accounting practices within a single LLC, you can maintain clear financial records for each property, thus achieving the same goal without needing multiple entities.3.