Old thread, I know....but the answer depends primarily on the type of flooring:Flooring that floats above the floor… Such as interlocking vinyl planks, Should NEVER go under the cabinets… Doing so will cause the floor to Buckle (and/or break the locking system) because that type of flooring needs to expand and contract as temperature changes.Flooring that is glued to the floor permanently,  can go under the cabinets without any issue… But realize that you may STILL  very well want to replace the floor but sooner than you will want to replace the cabinets… So you could go either way when it comes to glued down flooring. 

I personally like these markets because the returns are steady and there are plenty of low income tenants that will be in these communities for many years to come.

When choosing a rental property, focus on properties that have a positive cash flow and will provide you with a steady stream of passive income.Look for undervalued properties: Look for undervalued properties for various reasons such as being in need of repair or in a less desirable location.

I'd advise to stay in the rat race for about 2 years just to have that steady W-2 income. 

This market has been providing steady appreciation with the ability for cash flow on investment properties.

Instead of constantly optimizing for the best returns, I want a steady, long-term income stream that I can set up now and benefit from for the rest of my life.When you mention net present value, are you talking about the value of money now vs money in the future?

And in my house, which is maintained temperature and humidity.

So you can refi to a conventional loan once you have a steady income again.Upen Patel, Mortgage BankerFederal NMLS# 1374243

I stay there about 10 days every quarter and NEVER when the temperature is below 60 degrees. 

What mold needs to grow, Food source(wood, glue, organic material), Temperature, and Moisture.Cleaning the surface with chlorine and water only kills the superficial part of it but like most weed, unless you remove the hyphae(main root) and the mycelium (collection of roots) from the wood components all you are doing is a surface patch.