This is correct, but that .5% is IN ADDITION to all the other closing costs associated with a refinance (Title/Escrow Fees, prepaids, and depending on the bank, Underwriting / processor costs) - so in reality it can be a little more expensive to refinance with IRRRLs.

I had a renter that rearranged all the furniture, left everything absolutely filthy, grease spilled all over the counters and oven, food spilled on the floors and table, trash left everywhere, etc.

If these are even an average sized breed they can eat through a lot of food in a day/week/month.So the first thing is to get yourself financially stable.

I have a vacant basement that I want to convert to a 4th unit but I’m not sure if the process or where to start to make sure it’s legal. 

So I am sure they don't want pesky DTR operators stealing their bed and food and alcohol revenue.

It was a very long drive. 18 hours in total on the open road, I would sleep in my car along the way and live off of gas station food.

Any way food for thought, good luck with whatever you decide to do!

This doesn't just stem in SFR, this stems in fast food chains, logistics chains, trade shops, infrastructure RE, energy trades.

Here is the new response:  "The Terms and Conditions were not properly displayed for the cardholder during the order process or on the same screen as the checkout screen before the final checkout.

Food for thought if anyone out there is planning to do this as well.