The main issue, of course, is that many, many unqualified buyers will contact you.

Sounds like an issue with your bank.

It's been good, with a few unexpected issues.

The real issue is it might cost you 1.5% more in one time closing costs to get that extra 5%. 

.—(1) The commission may deny an application for licensure, registration, or permit, or renewal thereof; may place a licensee, registrant, or permittee on probation; may suspend a license, registration, or permit for a period not exceeding 10 years; may revoke a license, registration, or permit; may impose an administrative fine not to exceed $5,000 for each count or separate offense; and may issue a reprimand, and any or all of the foregoing, if it finds that the licensee, registrant, permittee, or applicant:(h) Has shared a commission with, or paid a fee or other compensation to, a person not properly licensed as a broker, broker associate, or sales associate under the laws of this state, for the referral of real estate business, clients, prospects, or customers, or for any one or more of the services set forth in s. 475.01(1)(a).

In my rental agreement (lawyer reviewed and approved) it specifically says no smoking or vaping within 20ft of the building and all butts must be left in a coffee can with sand in the bottom and one is already provided in the "smoking area".Explanations are given for allergies, health, and second hand smoke etc. etc.I've not had any issues yet.

While they don't look at your DTI, they will, at least initially while building a relationship with the lender, check your credit score which will affect your rate.Line of Credit - Most banks will want to see you in business for 12-18 months before issuing you a Business LOC.

That can cause all sorts of tax issues.

Rental Comps  Thank you for the advice Ryan and the link!

Thank you for the comment as well as the link to the thread, its a great read.