Balloons also common at the end unless you pay additional principal each month.

If you were to call me, for instance, we'd really drill down into the "why" of switching CPAs to determine fit.You mention responsiveness (common complaint) and someone who can "provide more" like advising on entity structures and tax strategies related to apartment buildings.

The most common type of mortgage fraud: Buy an investment property, say you're going to live in it, don't ever actually move in.

@Kevin AllenIf you are talking about a multi-unit property (i.e. a 16-unit apartment) there is no expectation of privacy in the common areas of the property - including the grounds.If the property is a residential property (SFH, townhouse/duplex, etc) and you have not established in the lease that you would be retaining access to a portion of the property (garage, out-building, grounds) or that you would be providing an ongoing service (yard work, snow removal), it is reasonable for the tenant to expect quite enjoyment of the entire premises.  

Also, there may be some common area electrical / heating that you have to account for.Occupancy - Perpetually full is great and using 5% for vacancy gives you a bit of buffer / wiggle room for the unexpected.

The HOA covers roof repairs, common drive and fencing.

This is common in commercial, especially with the larger national companies.

My husband is very allergic to cats and I worry that since he'll be doing a lot of the maintenance that this will negatively impact his health (I should also mention we would be house hacking a MFH in metro Denver).  

My story is probably pretty common...bought my Fall River, MA condo in 2007 (when I thought we had hit the "bottom" of the market...ya), lived in it for 5 years.In 2012, my wife and I wanted to buy a house, and selling the condo was out of the question since I could only get about half what I owed.So, we became landlords.And a funny thing happened…I enjoyed the process and a lot of things about it.I’ve found two great tenants who are low maintenance and pay on time.So here I am, looking for more property.I think I know what I’m looking for as far as a good deal, but I worry I’m not going to be able to finance the deal when I find it due to lack of funds.Hopefully between this forum, the podcast, and the half dozen books I’ve bought, the answers will come.We’ll see what happens!

That seems to be the common theme we direct mailers say.As for the properties you are wanting to target, I say you're on the right track.