Long story short they had some debt tied to the property, we were able to pay that off for them, plus a small extra for them.

I actually found an ozone air cleaner at goodwill, and I use it for a few hours in a bedroom after an airbnb guest leave and it leaves the room having that extra clean smell.

It may not be a lot but that is something you can control and if you really want to make it go faster consider renting by the room or even renting extra rooms in the unit you will life in.

Why not just buy extra insurance and a umbrella policy?

Granted there is an extra 1.5% on the conventional, but the FHA has so many 'hidden' costs that make such a large difference. 1) Conventional loans (at least in my situation) - they will drop PMI payments once I hit 24 successful payments (2 years).

Work out a deal with this limited partner to contribute the extra post closing.

The idea was to have the rent cover the mortgage and some extra cash flow.

This will raise my premium an extra $1702.

Once an agent trusts a lender they know that lender can close deals (some lenders we will never work with and also listing agents really avoid certain lenders, such as Rocket mortgage)As far as working with you to increase your offer - same thing, this really doesn’t benefit your agent at all (the few extra pennies in commission 100% do not matter to an agent) Agent most likely does have insight of another offer and their reading the listing agent and situation and trying to coach you to make an offer to get the house.It’s hard to fully understand as a client who buys one or two houses a year.

@Ross Y. as @Jai Reddy said, with the extra info you provided in the second comment, that your wife qualifies for REPS, you can certainly use the extra losses from cost seg, beyond your rental income, to offset your W2 as well as the other active gains.