The fact is the lender will do an appraisal and  that will come back at or  near market value and you will not have a lot of flexibility from that.

Banks underwrite based on ratios, but their are a lot of sophisticated tweaks to make sure are in place with your original mortgage to ensure you're flexible & in the best position to continue to buy property.Would be happy to discuss further over DM.

Depending on your bank and how flexible they you could ask for a 3rd party appraisal and pay for it or get a realtor to run comps and present to your loan officer... the other option and most likely a winner would be to shop the loan around to several banks and see what they can do for you.

Allows many flexible ownership arrangements for a team of real estate investors to work together.

So if they dont want to pay an agent they probably dont want to be flexible on their price either.

This protects the agent for her/his time, and gives you the flexibility you need.

TLDR: How do I charge for washer dryer hookup giving myself max flexibility? 

My only concern would be finding and interested tenant - I imagine cleaning a 3/2 house for every guest would be very time consuming, so the tenant would need a pretty flexible schedule.

By knowing the "where" and having multiple options on standby for places you would like to buy in, it gives you the flexibility of being able to talk to several brokers in different markets and finding the property that is going to work for you mathematically in a location you already know is going to be effective for your target audience.

If you can wait until you leave your employer and transfer those assets over to a self-directed IRA or 401k, then you can have the best of both worlds - tax advantages and flexible asset options, including real estate.Just a thought.