Whether it is considered long or short term debt you still need to factor the payment into your debt ratio.  

Small, simple pitch roof could be anywhere from $4-8k, depending on several factors. 

That doesn't factor in the different multiplication factor for mortgage insurance as well. 

This depends upon a bunch of factors:1.  

@Ihor Kucheynyk...tend to agree with @Stephanie P. there's not enough factors to tell, based on your specific situation, but I think that's far from a rip off.

The PMI rate depends on a variety of factors (how much equity in the property, etc).

Larger small multis 5-15 units are bought with commercial loans and as you get more tenants living together you can get more of the “headache” factor of dealing with larger amounts of people.

Most multi-family properties do not perform well in CLT due to how hot the market is for the whole southeast for that type of asset along with a couple of local factors.

Termite treatment can be a one-time thing.

I believe there are several factor in play here.First is that the numbers were intentionally overblown by the media and government.