Having a fixed rate is much nicer for me to be able to strategically plan my investments with out worrying about the rates changing.

All are previously R10 until the big change in the late 90s. 

I didn’t change anything to the house but again decided to rent it out completely while I live abroad to take advantage of tax breaks.

Economic conditions have changed. 

This protects you if you are ever audited.

You will want to change it to a landlord policy.Read your local landlord/tenant rules to make sure you cover things the state expects rentals to have.

Do not care about the concept of "EQUAL".9. 

To make things worse, the living conditions in this house are the worst I've ever seen. 

While that is a very popular sales technique, no good deal ever came with a contract that you're required to sign right this minute.

not St Pete but that’s been my entire strategy for years is to add a bathroom for forced appreciation. now more than ever is it needed with how high things are.if you add a pool, your neighbors will hate you as it’ll bring down their home value