You are right the FHA does 3.5% down. First

Raising rates another 100-150bps would bring about some cooling.

We acclimated the flooring, but I suspect the existing tenant may keep the house at some very different temps (when she travels I suspect it's quite cool in the winter just warm enough to keep pipes form freezing, and very hot in the summer).  

It would be cool to see an insider perspective of a renter and their experience.

Both existing guests were cool with the intrusion and left 5 star reviews.

@Steve Collins cool hope to see you there

However, the median price per square foot grew by 3.8%, indicating that the inventory of smaller and more affordable homes has grown in share.Homes spent 44 days on the market, which is one day more than last year but eight days shorter than before the COVID-19 pandemic.According to the Realtor.com® May housing data, the market cooled a bit as mortgage rates went up in April and May due to stubborn inflation.

Clear signs of cooling rents, vacancy upticks, investors vacating the space, foreclosures, capital calls are major indicators of this happening nationwide.

It's easy to go from "Wouldn't it be cool to make some passive income?"

. - I recently used Cardinal Heating and Cooling, Inc last weekend.