Hi Matthew, Some investors may allow up to a 90% combined loan to value assuming credit and income is enough to support the loan. 

@Zach Bollman - I wish there were those types of reviews out there, but it's really a combination of networking and trial/error.

My notes business is combined with my flipping business.

This may be lessened now however, I base that off of the fact that Huntsville has diversified a bit now as not just a cog in the military industrial complex but also an industrial and tech center in it's own right, and just over the past year we had over 300% tech job growth.The dynamic you have at play with the constantly shifting population is a strong reason why I advocate to people that while Madison is certainly doing well now, it only really started to do so with a combination of BRAC and the creation of their own well funded school system 2-3 decades ago.

viewer=publiccityX short term rental maphttp://sonomacounty.ca.gov/PRMD/Planning/Vacation-Rentals/Exclusion-Combining-District/county sonoma zoninghttp://sonomacounty.ca.gov/PRMD/Planning/Project-Review/Services/Zoning/Zoning/zoning codes explainedhttp://sonomacounty.ca.gov/PRMD/Planning/Project-Review/Services/Zoning/Zoning-Code-Regulations/

I created a checklist of functional items (faucets, deadbolts, garbage disposal, etc) to check every time there is a new tenant, that way if they break something, you can go back to the checklist and show how it was working properly when they started renting the place and you have a better argument to pass the cost on to them.

Local custom will likely define the bedroom area of a studio, it could be the entire room or it may be defined by a fixed divider dividing the sleeping area to other functional spaces.

I have tenants who just moved into my condo and are requesting compensation for: (1) repainting (I had to repaint a wall in a different color than they originally saw when I took down my speakers); (2) loud bathroom fans in each bathroom; (3) Ceiling fans that are outdated but functional; (4) wall wiring so that their t.v. does not reveal the wires; (5) fridge filter which admittedly was old and they noted that my flooring has a soft spot but did not request replacement (yet!).

Adding sq ft must be functional. 

That is, if you are aiming for a positive cash flow.If you are in the market currently, you could use a combination of cash savings and equity loans...What are your thoughts?