It makes sense for me because I can’t go to the bank, but it’s worth noting that I don’t recommend my strategy to other investors.

I got a list from my contractor yesterday:roof - $4300windows - $2250flooring - $3200bathrooms (both) - $7000appliances - $1200paint inside and out - $2600door - $450total - $21,000That's about as detailed as I've ever had. as @Brian Pulaski said, you're paying for a complete service, it's common to get SOME lists of work, but vague ones.

This is the option you commonly see advertised as 10% down with NO PMI!!!

Your "strategy" (aka common sense) of saving up capital is very smart, do whatever it takes to save as much as you can if you are serious about investing.

We have also lived in the house for 9 years so we are familiar with how to repair and maintain the house.My questions are:1) Does it make any sense to keep this property as a rental when we move?

Thank you Ann, that makes sense. 

Don't make decisions based on a false sense of permanence.

That kind of investment doesn't make any sense to me.

Your comments make so much sense.

I'm just telling you guys if you follow up with people, it will give them a sense of trust when you return.