Use other savings from overall cash flow and W2 income to "chunk" payments and reduce principal.

I would like for them to stay because they have been basically no hassle otherwise and this would reduce turnover costs. 

You need to do a tax planning to reduce your tax burden.

Those who have put off projects, and are now starting, will still find a lack of labor, longer timelines, inventory shortages or delays, higher costs from last year 10%-20%, more regulation, building/energy code increases, SDC increase costs.  

You want that, and the lenders want to sell it to Fannie for that sweet sweet back end profit.If a hypothetical lender forewent that sweet sweet back end profit, that means you're making up for it, so maybe that means your down payment is reduced by 5%, but your fees/rate/etc jump up by, call it, 4%.5% towards equity is a better deal than 4% towards fees/points/rate/etc.

Looking forward to meet and learn from the best, zero knowledge except for the documents that I notarized for the State of California, 64 years old with a lot of energy to assist but mostly to learn, WHOLESALING, SUBTO, FLIPPING, UNDER CONTRACT. 

Therefore water/energy efficiency is of the tenant's concern and not mine, in addition to the condition of fixtures within the suite. 

The owner occupied reduced down payment program on conventional mortgages can be repeated over and over. 

It was listed for 295k, I offered 280k with 5k of my closing costs covered to reduce my cash to close.

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