Reasonable is ill defined within the Act's wording. 

These factors are part of defining affordability in terms of operational costs.Reducing Op Ex should start with Project Design, which should include a deep dive into running a cost benefit analysis on energy efficiency for the items noted above including considerations for the building envelope, insulation, window/door package, framing and lighting and water consumption.Actually attaining any or all the of the goals noted above generally comes at a cost that typically falls on the developer which sets up an interesting conundrum for the developer.

Generally speaking there are 2 types of loans for us investors:  Conventional and PortfolioConventional - I'll define these as loans that come from Fannie Mae and Freddie Mac (if you recognize those names).

But, I've been doing this for 15 years, and this is how I define conservative - reserves!

Generally speaking there are 2 main loan types for investors:  "Conventional" and "Portfolio"Conventional - I'll define these as loans that come from Fannie Mae and Freddie Mac (if you recognize those names).

For the NAR to make this defining rule means that a real estate professional who has authorization to sell a home or market it for sale MUST disclose that fact to everyone. 

Vinyl will definately last longer which will lower your Cap Ex cost over the long term, but as others mentioned carpet is better for sound insulation between floors.

If you're defining the objective as "live rent free!"

Providing, of course, that you are familiar with Pittsburgh's intricate neighborhoods, that often change street by street, that you run numbers on all properties you consider, and define your goals. 

But you can absolutely, 100% find lenders that need ZERO "seasoning" (that's what is called the waiting period of you being on title) to refinance at full market value.I hope you don't mind the length here...but I think some of this will help as well.Generally speaking there are two types of loans for investors:  "Conventional" and "Portfolio"Conventional - I'll define these as loans that come from Fannie Mae and Freddie Mac (if you recognize those names).