A new microwave and garbage disposal for the same property.  

A water softener, water heater and built in dishwasher, garbage disposal, built in cabinets are permanently attached, a free standing fridge or stove is not.

So, yeah, if you have millions of dollars at your disposal...then you can finance any transaction you want without financing. 

With that I plopped a couple of "disposable" tiny houses for STR.On one I've bought for income - inside the city of Knoxville (a fantastic college town) - I am precluded from doing STR - so it's ideal for me to do LTR.

I don't like replacing goods over and over and I'd prefer not to contribute more to the "most things are disposable" mindset (which is why turnover for items such as dishwashers, washer/dryer, fridges, etc. frustrates me because they don't build to last anymore). 

Whether they haul it to the station or hire a service is on them as long as they’re disposing of it properly.

Almost no applications.The applicants who do apply are slow, hesitant, and shopping 10 other options.Backouts are way higher, people flake because there are 100 other units they can jump to.Inventory is stacked in most submarkets.Even with concessions like ½ month free or 1 month free, lease-ups are still crawling.And yet… I still see landlords acting like every applicant is disposable and they can move at the speed of a DMV.It’s crazy to me.In our company, we’ve had to shift our entire approach.We’re treating leasing like a sales funnel, because that’s what it is right now:Inquiry → Showing → Application → Approval → Deposit → Move-inMaximize leadsFollow up oftenMove people to the next stepReduce friction everywhere we canTreat applicants like actual customers, not a nuisanceBecause whether people like it or not, tenants suddenly have the power.More options.

@Michael Santeusaniomy learning lesson is have way more money at your disposal then you think you need. 

Under their Class A it's my understanding that if everything goes exactly right when they dispose of the asset you get your principal back and a tax bill.

In fact, the cost of a mortgage as a percentage of disposable income is rising, yes.