I would be more inclined to the 20% manager, because typically the more they charge the more they are worth the money. 

. - Furniture & DecorThis is up for debate but for most short term rentals, those that are themed, have quality furnishings and a cohesive presentation typically produce better occupancy and revenue results.

I am the one who closes the sale typically so expectations and the process is thoroughly explained by me prior to onboarding beginning.Client red-flags are those who critique the processes before even beginning, those who want exceptions for every process, think they know how to do the job better than I do, etc. 

Rates are typically higher for DSCR vs conventional but you can offset that with the way you structure the loan - like adding a small prepayment penalty or increasing the DSCR ratio bracket for example.

There is no doubt utilities is at fault.  

If you move there, get owners home insurance, utilities in your name, not a landlord policy, move all your billing, medical, voting, car registration, etc etc there you should be able to prove you live there 6 months.

PGE is a hopeless utility company, was when we lived there too.

We typically allow them to book one month for the first month to make sure they like the home/area prior to committing to a longer term.

I've been recently quoted 10%, seems a bit steep...Not the most absurd I’ve heard - MF purchases 5+ units will typically range in the 9% range, especially if you are shopping wholesale lenders and not local commercial banks.

I would be willing to put 20% down. would this typically result in a Lower final cost since the builder doesn’t have to put up any of the initial investment or carry the loan for the build ?