Sometimes shared kitchen items are provided, like olive oil, coffee pods and creamer.  

You mentioned that with commercial credit, it's another ball game, but that it's typically a case by case basis.

If you wanna game plan, let me know.

All buildings close to the beach requires piling on the first floor then you can either add 2nd or 3rd floor depending on your business plan.You can reachout to real estate agents that are predominant in the area to provide you with short rentals income report.Let me know if you need any help or info about building ground up.

I ended up hiring one of my LTR tenants as a house manager to handle all of the cleanings, turnover and provides my local eyes and ears.  

I'm having difficulty finding insurance providers in Central Texas. 

Ready to make your move in the real estate game?

Based on the info you provided, the other 2/3 don't have the same mindset as you and you aren't going to agree on what to do or how to do it. 

If your goal is assume a loan, I would offer the lender some sort of compensation as they are generally only paid if they write your loan, which is not the case with an assumable loan, as the current servicer will be underwriting and providing the new loan.  

It's nice to hear you're still in the game 14 years later despite having to overcome difficulty.