Any of our northern neighbors closer to the border run into this challenge? 

Unless you see your sub-market with a lot of inventory about to hit the market or some other idiosyncratic condition looming, I wouldn't be worried.

Being open and figuring out ways to hit your goals is what investing is all about. 

So you don't take a huge hit paying the UFMIP in full twice. 

I tell them it's in case I "get hit by a bus" and they have to deal w/my wife (but it's also obviously in case they get amnesia and forget something we agreed to.) 

For example if your tenant sets up automatic rent payments the ACH debit won't hit their account until the 5th.

As in baseball, when trying to hit a home run you strike out more often that get a hit.

Northern Utah, Box Elder County... 

For many that's a dream come true so having the opportunity to be a live in manager, live for free and make some money on the side you're hitting all the right targets.In the Milwaukee market $400K for a 4 family is slightly high for our area but depending on where you're from I could see that being a great opportunity.

We finally agreed on the terms, price and the time frame of the loan when a tree branch hit the house.