And it's actually pretty flexible (other than some timing and documentation issues).  

If you do not run numbers, you are shooting from the hip and your strategy is either fueled by "hope-ium", or your experience is so immense you know every input and return without running the numbers (but even the most experienced investors run their numbers).Here's the best advice I can give you: You can "run the numbers" until you are purple in the face, and you will never know what every single ACTUAL number is going to be before getting into a deal.

With prices in Miami, that mortgage would come out to about 40% DTI if the Main House stayed vacant for any reason.

That is one of the reasons I refuse to buy 1 bedroom properties. 

Pretty reasonable rates. 

And not only extend inspection period, as you noted, but also clearly state that further negotiation can be done based on any issues outlined in report.But overall, based on what you wrote, this sounds like a pretty reasonable seller.

So back to general knowledge, what I would really be assessing is first: what do you actually need?  

There's actually a pretty cool reason behind the name that I made an Instagram reel telling. 

Your PMC is recommending the path of least resistance, because mold claims could be VERY expensive.Also, many insurance companies will NOT cover mold issues.So, call your insurance agent and see if this will be covered or not.At the same time, direct your PMC to get a professional mold test done to determine if there actually is a problem or the tenant is mistaken or exaggerating. 

Obviously a higher down payment will always help properties cash flow since your payment will be lower, but I did want to explain the options available when you actually live in one of the units.Definitely assemble a team that works in the areas you want to invest in and you stand to learn a whole lot - I hope this helps!