I've seen some houses that are all one color inside but believe that it decreases the rentability, so I continue with the grey/white combo. 

It is currently slated for a phased approach to decrease the percentage every year for the next five years.

The median time to secure a contract saw a 23.9% decrease dropping to 35 days..Oh, the excitement!

Heloc cannot be used as a PITI reserve and or as an asset which is required in underwriting when buying more REI.More tradelines on credit can also cause a scores to decrease and higher DTI through the bureaus reporting.

We currently use 3% but I am finding that is inadequate and I am wondering if anyone here had a back of the napkin number they use. 

I would acknowledge you've received their complaints, you weren't aware, and you will do what you reasonably can to decrease stair and door noise.  

I tend not to provide financial advice but would say as I get older my risk profile will continue to decrease.

However, if you're not willing to pay, then what you're likely to get is an agent that is desperate for a client, doesn't have a lot of experience, and is obviously unable to negotiate for their own commission, so how do you expect them to negotiate on your behalf during the sale with those same inadequate negotiating skills?

I sometimes see first-time investors get taken advantage of by wholesalers, and if you are an experienced investor, the probability of that decreases significantly.

In fact, when rates decrease, it often stimulates increased demand for homes as more buyers enter the market to take advantage of the lower borrowing costs.