Further, I feel this law is very unfortunate and really a lose-lose for everyone, because the loss of (especially small scale) property managers' ability to use discretion in accepting applications will absolutely result in application criteria being raised across the board!

Apparently that's taboo, and I risk paying tax on anything I pocket.I've heard of refinancing shortly after purchasing, but I don't know exactly how that's supposed to work, and it likely incurs more cost to our big-picture plan (possibly jeopardizing our ability to put 25% down on both properties.Any advice/recommendations would be most helpful!

The ability for the largest land owners to absorb costs does not prove other landlords are price-gauging jerks.

Here is my short list:Comprehensive lender control panel with servicing notes, status on unpaid taxes, payment history, etcA 'control center' to deploy force placed insurance, and ability to have servicer send CFPB required letters to borrowerTax tracking integration Loss mitigation services with active updates to lender on control panelAn active discussion board style system that lets the lender have a dialog with servicing staff on any matter.

Explanation 2 from the invoice doesn't mention anything about bad valves and unions: Explanation 3 after I asked for the actual bill because I misunderstood "union" to mean labor union"Not quite sure what you mean, this is a bill from my company who performs the service calls.

Add to that their ability to hit owners with special assessments, etc and there is definitely some risk.

So now I am starting to run toward the pleasure of being in control of my own time and having the ability to spend time with my family.

But you should know that retirement accounts can be self-directed, meaning that you now have the ability to invest in alternative investments such as real estate, tax-liens, trust deeds, private lending, etc. etc.I would argue with you that that one of the worse plans that the insurance industry has come up with is the cash-value insurance policies that some of the insurance agents sell who are interested in fat commissions checks when they sell such policy and disguise them as retirement plans. 

The appraisal remarkable comes in at exactly what the sale price is, or occasionally less.

Your credit score has nothing to do with your ability to finance it, the lender will be looking at the property, not you personally, so the property value and the income property produces will play a role.