Long story short, the simplest way to look at this is to add a 0.5% or 0.55% to your FHA rate and then compare that to a Conventional option (note rate + PMI rate) priced with 1.75 discount points.

I manage a co-investing club where we all get together virtually and vet deals together, choose them and then invest.

Then, I would share with them how you manage properties and what your expectations are for them as well as you - essentially explaining how you work with people renting from you.

I love working with their agents and financing team, yes, they are not the cheapest one but I've found good deals with them ( since then I bought more properties) and a good deal it's all you need.

Solve the contradictions and then get back to us.

Then refinance and pay back HELOC and TSPthoughts?  

If you are married - put each one in a single name and you can then have 20 - there are higher qualifications the more  you have though.

And then monthly by check or if you don’t trust them certified funds or EFT. 

If you have broken up those stays, every 2 weeks, then you should be able to call the police and have them removed.

Before the 1% "rule" there was the 2% "rule" that then got reduced as the market changed.