your lender will require "any" home/hazard insurance so perhaps ask yourself to what degree and extent you NEED coverage. 

I would cut the newel post caps off and either slant cut the tops on 45 degree angles on four side with a flat spot or get a faux copper cap.

I imagine it's also happening somewhat in other cold-weather mid-western states too, but not to the same degree. 

Lenders will use some college degrees as history towards those 2 years.

This is not an omitted policy for the design of house hacking, rather the VA understands the degree of uncertainty that service members' careers bring regarding geographic stability. 

Investment Info:
Single-family residence buy & hold investment in San Diego.

Purchase price: $625,000

Cash invested: $100,000

3 Bed/2 Bath top floor unit
2 Bed /2 bath lower unit (granny flat)...

Local and trustworthy management team to care for the home.360 degree view of the home, reservations and maintenance through Owner Dash.

I found a product made by H20 Degree.  

I provide strong renter insurance, $5,000 in accidental pet damage coverage, free evictions plus up to one month of lost rent, $10,000 in bed bug coverage, online rent payments, the best application screening service in the county, not a single lost eviction, a network of responsive vendors, professional inspection reports with 360-degree photos published on the owner portal, and so on.Most property managers charge 10% "because that's the going rate" but they can't explain/justify their charge or show how they differentiate their services from the competition.

Yes it probably will show up on your DTI, but it will be "knocked out" by the new debt AND should be offset to some degree by the rent.For example, if you owe a HML $75k with monthly payments of $600 and the house is rented at $900/month the lender will see a $75k debt on the property with a corresponding recurring debt obligation of $600 and a rental income of $900 (which they may discount by 25% to account for repairs and vacancy).