Most likely I wil have to charge extra for utilities during winter time.

I would also try to see if there is any way around this screening charge or a way to get it reduced.

I would be VERY cautious of this lender for the following reasons:1) They are outside the US. 2) That's a pretty hefty upfront "processing fee" they are charging. 3) On another real estate lending blog site this "lender" has advertised real estate loans at "a low rate of 2%".

I want the total payment to be about 70 or 80% of the amount charged for the apartment.

Though you may want the security of owning homes free and clear, you may be able to purchase more homes faster if you use the extra income generated by your rentals.

You will need to purchase any private mortgage insurance, and the VA limits how much the lender can charge you for closing costs.

If I do get this property, I plan to provide washer/dryer in each unit to make my units stand out and charge $600.

Others charge a consultation fee.

However, chances are professional trades will be faster and better than you at their craft.

These HUD-certified counselors charge no upfront fees for loan modification services to stop foreclosures.