Some of the cabinets don't close all the way because they show some signs of warping and the latching mechanisms are junk.As I look back at the list I know that some of these absolutely need to get done due to safety/security issues or to help protect the property against damage.

They also had a couple of ARM options which I wasn't super interested in as a buy/hold investor. 

Rates and fees are higher, but you can get a 30 year fixed or ARM with no income verification. 

I was not certain if this was a safety issue... the unit is vacant at thisntime, undergoing minor rehab and so not sure if it will cause issuesnin the future, thanks for your input

This got escalated to the Airbnb Safety department who are the only ones that can discuss this case but I call daily about the case and they just hang up on me without giving any needed information.Now I'm hiring an Airbnb experienced eviction attorney to evict the Airbnb guests with a 3 day notice to pay or quit and a 30 day notice to vacate because it is a non rent control unit.

It’s similar to increasing the individual policy coverage, but since it’s handled in a way that it’s pretty much a safety blanket, they offer it cheaper.

And sometimes it ends up being an arm wrestle with your accountant.  

A true win-win without any stiff arming. 

FHA also requires the self sufficiency rule which basically means your 1 Mil fourplex would need to rent for nearly 9k a month  or at a .90% Rent to Value/price ratio in order to qualify at the min down payment which is near impossible in Seattle/Bellevue core areas unless you either found an off market unicorn property, its heavily distressed, you up convert a SFR into fourplex or other creative value add strategies.The standard Conventional program will require 25% down payment whether you buy it as an owner occupied or investment property on 3-4 units.If you live in the property there are some "niche" programs for conventional financing that will allow as low as 5% down but the program is being revamped after the end of July this month as to only allow folks with 80% of the area median income(AMI) to utilize it (seattle AMI is roughly 100k so you'd have to make 80k or lessIf you're a Vet or have served in the armed forces you may qualify for VA financing as well (owner occupied only program).Hope that helps.

Fannie will actually back loans that are C5 or C6 (after C6 is teardown, C1 is new construction): "Properties with a Condition Rating of C6 are eligible for sale to Fannie Mae provided any deficiencies that impact the safety, soundness, or structural integrity of the property are repaired"As a consumer you would never know who those bottom feeder lenders are that would lend on a C5/6, since they have completely trash rates (better than non-qm and HML) and are slow (what would that commercial look like?