No points, not sure if it's worth buying down since rates may fall?

So it seems their turnover rate for the employees is very high.So I've been emailing a list of questions about where my money is, what's going on with the non-paying tenant, about the water bill being like $500-$700 per month (oh yeah, there's that!)

Assuming you have two spouses who each make $300,000, your hourly rate is about $150 / hour assuming you work about 2000 hours a year.I personally think it is better to continue investing in LTR which will likely be less time consuming / stressful to STR's.You don't want to exchange something where you make $150 / hour(at work) to something else where you may only make $10 / hour.Best of luck

He's also correct in that the septic systems are rated by the maximum total occupancy of the home (they don't count dens towards that occupancy).

My initial idea was 10-20% down with 7% interest rate for 10 or 15 years after doing research. 1 person suggested a balloon at the end and another person advised against it. 

Depends on what you are looking for.

Some hard money lenders may offer better leverage but the interest rate and origination fees will be higher.  

If you were to combine several of the units together to the point there are only 5 units in the building, would this destabilize the whole building and be able to bring the rents up to market rates once the leases laps? 

Aside from the higher interest rate (I will pay the mortgage), one of the areas I'm looking in charges higher property taxes if it's not a primary residence.

In the meantime use this resource to find out the areas around hereUse this rating and classification system I have created over time to get an idea of the "Class" for the area - A class B class & so onhttps://www.areavibes.com/Here is my rating & classification for each livability score. 80 and above A+78/79 A76/77 A-74/75 B+72/73 B70/71 B-68/69 C+66/67 C64/65 C-60/63 D59 and below F