We also noticed repair work on the ceiling hinting that it may have been previously repaired and he stated that it probably was remedied. 

We also noticed repair work on the ceiling hinting that it may have been previously repaired and he stated that it probably was remedied. 

I've noticed that you favor 100% cash down on the first one to achieve the same thing.I'm just suggesting an INITIAL 25% down, rather than John Armando's suggested 20%.100% cash-out refi will then be that little bit easier.

However; even in subdivisions with multi million dollar homes here in So Cal, I notice they're using vinyl. 

Once you own the land then you have to give notice to vacate.

Question: does anyone know if there are Fannie/Freddie, FHA or VA rules that require a forced air system to be ducted to all parts of the house?

The best lender is usually not a large bank, due their own overlays and delays, and not just an independent mortgage broker, but somewhere in the middle....an actual lender that sells direct ot Fannie/Freddie and does FHA.  

Wayne, I notice that you are an investor/Agent?

I don't have to deal with anything if something breaks, I don't have to shovel snow, and if I ever want to move I can just pack up and move with a couple months notice.

Did they give notice to the prior landlord - - that's the way they will treat you too!