Keep in mind FHA also has a 1.25% UFMIP which can be hard to swallow. 

Hope this guides you on the right path and stop swallowing what all the gurus and youtube influencers tell you!

License process can be lengthy so swallowing carrying costs could be heavy. 

Hahaha:)  One thing I would have done differently is swallow my pride and somehow find a mentor that I respected and liked right from the start. 

After a while 50/50 got hard to swallow considering I was bring the deal, managed the subs, dealt with whatever problems arise, etc.

Commercial properties will likely pay a lot more in property taxes than residential properties.Here's the article: http://chicago.suntimes.com/news/7/71/943156/500-million-property-tax-hike-enough-shed-chicagos-junk-bond-rating-analysts-warn“Fabian’s conclusion was that, as tough as it will be for homeowners and their aldermen to swallow a $500 million property tax increase, Mayor Rahm Emanuel and the City Council need to bite the bullet even harder.

Were the costs of doing the refi a hard pill to swallow.

They can all swallow the pill of having a primary home and a second house (vacation home/seasonal residence) as a mental jump, but beyond that gets tricky, so I tend to just keep the idea to that level.

That's a tougher pill to swallow. 

I guess at some point one may not have a choice, but man…even just contemplating that is a serious pill to swallow.