My best advice is to take the emotion out.

So I connected my Kwikset 910 and can assign temporary user codes through the web or my phone.

Maybe, I don't want to make this thread political, but it has always seemed to me the best way to handle low to middle skilled labor shortages is to create a more robust system for temporary visas for things like ag or possibly construction. 

I can't and don't condone this man's actions for the obvious reason that you should never do violence to one you love be it physical, emotional or mental.

If you don't mind a little friendly advice - divorce your emotion from this analysis.

The site asks for a credit card, from which they place a $2,500 hold (temporary) so they know you are not just playing around.

But hopefully this is only temporary until we build out the attic and add the other 2 bedrooms and bathroom upstairs.  

They are only temporary. 

I'm all about letting the temporary things be a little higher if it lets us get that permanent 30 year thing a little bit lower.Borrower paid monthly PMI has the bad rep from the 640 FICO 95% LTV scenarios, where it will be easily 3-4 times as expensive per month, compared to your scenario with 10% down and a solid FICO.

. - If you want to stick to the SFR world, the "nomad strategy" of buying SFRs @ 95% LTV, using conventional financing with temporary PMI, over and over and over again is certainly viable, and friendly with Agency mortgage guidelines.