But if you take out a 15-year now and rates go up, it could hurt you to refi to a 30-year.There is a good analysis tool on KellerINK that helps determine how much to set aside for repairs, maintenance, and capex.http://www.kellerink.com/products/holdThere is also an analysis tool here on BP that does the same:https://www.biggerpockets.com/buy-and-hold-calcula...

Some companies are more lenient on certain type of  products (OO vs. rentals and some other variations) .  

Or there are products, where I can get Kind-of conventional loan rates, which will include the Rehab cost?

I am a production supervisor for a home builder.

Our motto quickly became “safe and clean”, allowing us to stay focused on using the cheapest products available in rehab.Higher occupancy rates.

Essentially making a 3 bedroom useless for college rentals.

If she doesn't do these things she is essentially an assistant and a maintenance coordinator.

The production builders (KB, Gehan, etc.) likely pay at the low end of the scale, as their whole raison d'etre is volume.

Can't wait to see the finished product !!

So in that sense, @Jazz Wilson is just another unproven product to them - until he beats out the others!