Which will require additional hours of work on behalf of Buyer's Agents to find out what is included and what is not.

Also, most of the stuff your list is low cost which is great, but once you start getting the deals and paying yourself back on the direct mail, double and triple those actions too (of course when you to a place financially that you can do that effectively).  

FHA & VA allow for a "Change in circumstance" for example you are moving, changing jobs requiring new location, new school, enlisted military, divorce, other life circumstance outside of your control.As far a penalty due to no intention as using from the start of the application.

It will probably only get used during the winter. and I can see some maintenance issues too with all that moisture inside it would be easy to get mildew or mold growth started if it is not maintained properly and often. also it is traditional to follow up your time in the sauna with a dive into a nice cold lake (or pool), or at least you might want to have a cold outdoor shower nearby. personally I would spend my money on something like a hot tub before I bought a sauna.

With a 30-year amort and 10-year IO options - as well as ability to get rate down quite a bit if you have long-term horizon (5+ years so don't mind prepay) - the rates/terms and monthly payment will likely be very attractive.Others too have done the DSCR Portfolio Loan (Blanket Loan) refinance option too (refinanced the 10 properties that are under conventional into one blanket DSCR Loan and start the process back from 0 on conventional), however, given current rates, don't see it a lot currently since the refinance would typically mean racheting up interest on those

Why wouldn’t you start with food control?

This way, you're not locked into a long-term commitment and can start looking for a new tenant.

Haha sorry not trying to start a new convo necessarily.

Francis, If you haven't, start establishing a relationship with some lenders in your area.

You could start your search by reaching out to lenders, brokers or other investors you meet at REI meetups.