You and teh lender typically try and choose the better of the quotes within reason of costs. 

Also, When you're choosing your area it's important to make sure there are options in each area, as long as you have options, it doesn't matter as much. 

Instead of going off of a hunch, you can do this research beforehand to determine if your market is viable for generating motivated seller leads and if you're targeting the right demographic.Early on in my career, I would choose a market and zips based on what I heard at my REIA or was in proximity to my home.

Especially depending upon how much money you currently make To me flipping gets more money faster and then can invest that into rentals if you choose to     

Now since you won't lie, she probably won't pay you for December, but you can go after her for this if you choose to. 

I would choose the 10 or 15 year if the costs are all the same.

Particularly seeing as how tenants typically choose homes based on pictures of the interior, not exterior finish. 

In some cases, once you take vacancy cost and association fees into account, it may not be possible to make an acceptable profit.Maintenance CostSome people choose condos due to the perception of low maintenance costs.

There are several actions you could take but you should choose wisely depending on the situation.If you think this is all bluster to get back at you, ignoring them may be the best course of action. 

So, if you decided to start with str's, you would choose some areas you may want to work in and do research, finding out the #'s (property prices, potential income, estimate how long it may take to acquire a property and get it to stabile income, etc), and decide how many of those you would need to get to the monthly income you want.