@David Johnson- You do not get to choose when to report these two properties. #1 is reported in 2019, and #2 in 2020.

I mean how do choose where to invest?

We have other metrics to choose a good deal from a bad one.

You have the benefit of the VA loan for the property you choose to go with, which will allow you to bring very little money to the table; however, if your primary goal is cash flow, obviously the less money down the less you will cash flow.

Choosing the wrong option can put you in legal trouble.

You will want to run your own comparison and choose based on what you think you will need as best you can. 

If you are choosing between lenders, one offering 3% and the other 6%, with all other terms the same, which will you choose?

I would look at it as the landlord providing a contractual service that you're not choosing to use at this time.

I have also spoken with another person (someone who reached out to me from the online request) that says I need to be given quotes for my various options so I can choose the best one.

I would love any feedback on pest control in the Jacksonville area in regards to how you are going about paying for services and which services you choose.