. ■ Mortgage ( 20% down so no PMI ) ■ HOA■ Electricity ■ Gas ( None because new construction house has electric stove ) (Everything is electric )■ Water Bill ■ Camera Security system ■ internet ■ Lawn Care■ Regular Maintenance □ Will I need to pay for " Trash " ?

No need to go at it alone. 

They have no idea real estate prices go down as well as up3.

Not sure what else I can do. www.airbnb.com/p/spbungalowhttps://www.furnishedfinder.com/property/708291_1https://spbungalow.com/ (property website only- no pricing)I can:A) Wait a few more weeks to see if I get bookings at the price I need to break even.mwhile I Continue following up with leads and insurance contacts.B) Lower the price by $50 every week until I get a booking C) Offer a discounted rate to my first 3 bookings on Airbnb to get reviews and have my property rank higher in the algorithm. 

The only way to exclude a mortgage debt (no matter how many payments have been made) is IF the party making the payments is also obligated on the debt.

With no points, closing costs are reduced.

There are plenty of transient markets in Florida where the supply of median home priced properties can cash flow well but it would make no sense to purchase a luxury property in that market. 

It also would be very difficult for a court in the US to go after an investment made there (since in the US people sue other people for no good reason) Financing is an issue there.

:Class A Properties:Cashflow vs Appreciation: Typically, 3-5 years for positive cashflow, but you get highest relative rent & value appreciation.Vacancy Est: Historically 10%, 5% the more recent norm.Tenant Pool: Majority will have FICO scores of 680+, zero evictions in last 7 years.Class B Properties:Cashflow vs Appreciation: Typically, decent amount of relative rent & value appreciation.Vacancy Est: Historically 10%, 5% should be applied only if proper research done to support.Tenant Pool: Majority will have FICO scores of 620-680, some blemishes, but should have no evictions in last 5 yearsClass C Properties:Cashflow vs Appreciation: Typically, high cashflow and at the lower end of relative rent & value appreciation.

What this lender  failed to understand was the taxes that showed as delinquent were from the previous parent parcel tax ID that no longer existed.