As a reference my rental property changed in zillow estimate value by $20K in 6 months which was more than 10% of the total price.

This all happened when they changed from "clear" to "mark as read"

Unfortunately, we are like 2 weeks out from closing on the house so we wouldn't be able to make these changes in that time frame.I'll need to review the Quals for FHA to see if we could use it on our third home.

I hope to change that with the development (not purchase) of an 8 unit building about 35 minutes outside of Nashville.

I was wondering if I were to change jobs by the end of the year how would that affect the refinance stage.

I want to flip the house by changing it from a sfh to a duplex. 

Thank you @Deanna McCormick I am going to go ahead and waive the application fee I don't want to do anything too drastic but I want to screen them and adjust the lease and rent rate and give them the option to renew or not once I make them aware of the expected changes and timeframes.

When this policy has been in effect for 60 days or more, or at any time if it is a renewal with us, we may cancel:(1) If there has been a material misrepresentation of fact which if known to us would have caused us not to issue the policy; or(2) If the risk has changed substantially since the policy was issued. 

You could use the IRA for the down payment if you change it to a self directed IRA or take the penalty.

The subcontractor can also handle turnover cleaning and things like changing carpet etc.Will this model work and can scale up without Hiring property managers?