Taste and style changes more frequently in these areas, so they feel dated faster.  

Also depends if you are getting appraisal and what attorney charges for creating loan docs

https://www.biggerpockets.com/...12 Frequently Asked Questions (And Answers) About DSCR Loanshttps://www.biggerpockets.com/...

For example, one of the lenders I deal with requires at least a 700 score for "rookie" developers with no experience and requires a 25% down payment and charges 13% rate and 2.0% fees.

How much do they charge?

You can have a box of items that are free for tenants to take/use: toothbrush, toothpaste, charging cables left behind from other guests, sunscreen, unused earplugs, etc.

A very prominent loan officer in NJ was charged recently for helping borrowers do just this. 

There aren't many things that "appear" to be leaks, they usually are leaks and if it's been leaking since May you are going to have way more issues to worry about than a premium plumber charge.

They were nice and didn't charge me the 10% penalty though.       

Always charge at least some sort of security deposit, and the first months rent up front upon movein.7.