There are some products that will allow you to go to 80% BUT they often are some much higher priced in upfront costs they usually do not make sense.

But since this was a new build, I was able to have the developer pay the closing costs, including some extra upgrades done on the property. 

@Josh Thomas most cities in Metro Detroit got so tired of OOS investors flaunting the rules via LLCs, as you are suggesting, that they now require someone to be liable that lives within 25 miles of the property - usually a person at a PMC.Most duplexes have a side door that both tenants can use to access basement.

When COVID hit, everyone was working from home and because in many condo communities, water is included, and most HOAs didn't account for the extra usage.

People who do work like electricians and painters I would PAY for the work they do as usual!

Usually, rent-by-room generates higher gross rental income than whole-house rental.You could also look into STR on the house and time-block when you want to use it.

Yes, even though mine have names for accounting and titling purposes I'll usually use addresses to a point.

It’s been more this month because I’m doing a lot of showings/leasing which is time consuming compared to other things I usually do.

Conventional loans usually ask for at least 2 months of PITI in reserves.

Collecting on a judgement ends up being more time and hassle than it's worth, as you are usually trying to get blood from a stone, so to speak.