The framing is easy but would require reworking the exterior trim and siding. 

Garfield is exterior only now with no escrow hold. 

If you have brick on the exterior, you might have to do tuckpointing. $$$2.

Most people I work with live in primary markets (as opposed to Birmingham, Atlanta, Indianapolis, Kansas City, Memphis, Little Rock, Jacksonville, Ohio, or other secondary or tertiary markets) where the Rent-to-Value Ratios are under 1%.

You can do that with blocking and pieces of 5/8 in. exterior plywood sheathing (and Super Patch over the seams).

Also, those are the states that people are moving to; people aren’t moving to OH.I’ve never worked with contractors: I’ll get eaten alive.Since I have never been to OH, I need to go there for myself and drive the neighborhoods to get a feel for good locations to invest.Additionally, there was concern for my lack of experience in managing the challenges of the weather in OH and properties subject to snowfall.At the time, I thought the objector was more opposed to the idea of investing in Ohio; however, in retrospect I see that she had several concerns: newbie investor + OOS + BRRR + Ohio.

@Russell Brazil @Christopher Grobbel I just looked the MIP thing...apparently loans I’ve $625k start out at an Annual MIP at 1.50/1.55% (ouch, as opposed the norm .85%) and then reduce down to 1.0% over time....but I see nothing about it ever going lower.

Updated countertops in bathroom, exterior paint, new carpet in bedrooms.

Sometimes the exterior of the house can provide insight.

The great thing about landlord you do not worry about exterior, landscape the management handles it.