I know the de facto option for investors is luxury vinyl plank but I’m curious if this is strictly because of price.

Strictly buy and hold maintaining equity in the home.I don’t see how cap rate doesn’t apply to every property, it’s a metric.

Provident is super strict about DTI, requires twice the paper work of any lender, you upload the docs yourself and your loan officer will not guide you through it, they do not talk on phone.

I don't pay fees for routine bill payments, only expedited payments and wires.

Unless your lender has some strict overlays you should be fine with your current situation. 

However, in the wake of Covid, some notarizations were allowed online under strict rules which included recorded Zoom (or similar) sessions - but, those rules did not extend to authentic acts such as wills and real estate transactions (but some areas could still be valid as an act under private signature).

If you are strictly giving them a pad, they are just boon dogging it and people already do that without paying in some cases.Check with the county on rules regarding RV and campground.

Essentially clauses that used to be strictly reserved for gross negligence or cartoonish levels of fraud and malfeasance have now been greatly expanded. 

"Dear tenant: Today during a routine inspection I noticed smoke detectors, required by law, have been removed in X location.

If you set and enforce the rules strictly, they will abide by them.