I work in the animal welfare field.

If you're buying a quad it's a completely different animal. 

Commercial is a very different animal from residential lending which is dictated by consumer protection laws.

Know NY state is a completely different animal but I'm in the same situation as Brian with a rental affected by Irma and have read no definitive answer, only know that we have done our best job of having help onsite ASAP but can't control the local utilities and permitting when dealing with electrical contractors.Any insight on your position would be much appreciated, everything I've read is mixed depending on if the site was geared towards tenant or landlord responsibility. 

@Robert MitchellSecond homes and investment properties are totally different animals and as such are looked at very differently by Fannie and Freddie. 

The most important thing to remember: bad renters have bad animals.

I prefer referring to zip codes because each seems to be its own unique area with unique characteristics.  

He certainly didn't have the requisite experience for writing up 100+ year old houses, its a different animal. 

@Jennifer B.Your HML isn't lending at 90% of appraised value; they're lending on the acquisition price which is a different animal.  

Location of the property, competing properties nearby, tenant pool, RE property characteristics, zoning, and I always look for value add opportunities.Again, glad to see you getting involved.