They want to avoid tire kickers and handing out their financials to anyone.

What should I avoid?

That experience allows them to think critically to solve problems and avoid mistakes. 

The good thing about these forums is we can share with others how to avoid the mistakes we made.Good luck to you!

But it'd provide passive income and avoid the capital gains taxes.

I own an apartment that I lived in for about 8 years before moving out to rent a home with my new husband (apartment was too small for us both) while we save to buy a home together. 5 years later, I want to sell my apartment and use that money to buy a home together, but now I have to face the capital gains tax implications.Since I moved out but did not buy a second home and instead, my husband and I have been living in a rental - is the apartment that I own considered my primary residence (since it was for 8 years prior) and therefore, can I avoid or minimize the capital gains tax?

I don't want to spend more money than necessary, but I would also like to avoid cheap fans that look bad and break easily.

You have to be careful there though, certain areas have a high crime rate and are best to be avoided.

I would try to avoid this solution because once you do it, they will expect it every time something goes wrong.

This way I am also avoiding PMI but using my money?