The state only gives us a fraction of a point per transaction and you have to have quite a few points in addition to the 3 years here in Utah anyway.  

In this case, do people typically list the ad with the base rent (so that it's competitive with other similar sized units in the market) and put the full rent amount with utilities included in the ad description?

Also refresh your calendar often.If you have instant bookings enabled it will also help.Search your area on VRBO and see what the competition looks like.

Consequently, the buyer pool will dry up and there won't be as much competition for the people that have to sell.  

I know it's really competitive and takes a lot of Hustle but it seems like a good fit for me at the moment.

We figure it is still worth it, but 12k total is cutting it close.So we are the only ones there/no competition.

I do understand it might be the most difficult niche but that's why I want to enter this niche, less competition.

I have found them to be very helpful as well as competitive.

It is listed as a "super conforming" loan and has very competitive rates, including PMI auto-removal at a certain balance pay down or bank appraisal paid for by the borrower.Is there any reason this won't work for an owner-occupied duplex?

We figure it is still worth it, but 12k total is cutting it close.So we are the only ones there/no competition.