Never should you be paying 2.5 points on an FHA product.

unfortunately this marketing specialist was NOT a specialist in marketing for real estate businesses, did not understand the unique requirements and characteristics of real estate, and hence implemented their “generic” on line marketing program.  

The least states:"Tenant shall pay a "late charge" not in excess of five (5%) percent of the amount in arrears for each month the arrears remain unpaid if any Rent is paid more than ten (10) days after the due date thereof, to cover the extra expense involved in handling delinquent payments.

Similar for bathrooms if virtually all are multi bathroom but you find a single bathroom, making it multi bathroom via new construction could be a value add.There are more sophisticated value adds such as add multiple adus via bonus density program.  

When there is a sum of money in the bank, I’d rather buy another property than pay for fire damage, and I’m happier with the insurance coverage.  

He was more expensive because now I gotta pay someone else to fix it.But here's the other side of the license issue.

Everyone associated with living there and/or paying for the unit goes on the lease.

I am mostly interested in appreciation/pay out at the end rather than cash flow each quarter.

They use the same amortization schedule unless you are paying interest only.

But yo have to pay your dues first by connecting, attending and networking.My 2 cents,Mike