Large banks and in house ( RE agency lenders) lenders tend to cater to single family loans since the vast majority of people buying property are not buying for investment purposes.  

Not all are doing it on purpose, but some have to be.  

A lot of Californians find their way to Ohio for investment purposes (and not all succeed at remote investing). 

As much as I am not a proponent of folks (mis)using CAP rates, they do serve well for the purpose of positioning a property for sale.  

@Matt Powell It may be helpful to understand that the purpose down payments. 

I do find it Ironic.. here on BP you have all these people that just jump up and down about how not to spend a dime on any paid for mentoring or of course a TV Guru.. but they will go out and blow what cash they have and or run up credit cards trying to be a wholesaler  and at the end of the day they get less education than if they paid for a mentor and the burn out rate I suspect is over 95% .. and whatever cash they had is gone and now they are in credit card debt..  

Can you prove that your intent was to hold for investment purposes? 

A mortgagee can not simply enter your property unless it is for the sole purpose of securing a vacated or deteriorating property.  

I think I will probably go the route of buying an iron cast Kohler Villager tub and using a cheap matching fiberglass surround that I could later replace easily if I wanted/needed.

What is the purpose of the calculator?