@George Blower Thank you!

Always error on the side of caution until you get a few deals under your belt. 

If you can't qualify for HP, then you skip it and just keep doing FHA.So now you have 2 properties under your belt.

Stop listening to the young people that started investing three years ago and instead look for the grey-haired investors with 30+ years under their belt.

I have a lot of flips under my belt and cover the entire Tampa Bay Area.

Keep going step by step until you have your first investment under your belt and then take your knew education into another and keep learning.

Thick paint will clog and ruin sanding belts very quickly.Take some time to practice with the drum sander on a piece of plywood. 

I communicated this with Suncoast and they failed to do anything about it.2 - During the vacancy period the AC was not turned on however the blower was on blowing hot humid air all over the house and causing ridiculously expensive power bills.

And yes, it is tough getting that first one under your belt but don't give up on yourself or your dreams.

Even though this would be a misinterpretation on their part, the language and style of your response would also be partially to blame for facilitating the misinterpretation.Perhaps a more responsible and helpful way to make the same point would sound something like this and elicit no controversy:  ""Having been in the business for many years and with several properties under my belt, I have found the following percentages to be relevant to me and my market...8% vacancy8% repair7% capex10% managementPlease understand that your chosen market may and probably does differ, for instance repairs and vacancy may be higher if you're dealing with rougher asset classes, labor costs may be higher in luxury markets, etc.