Our supply of homes for sale on the MLS has been steadily increasing for several months, so I don't anticipate that price will start to increase until later in the winter.Right now is a great time to buy, with less competition it's a lot easier to get seller concessions to cover closing costs and interest rate buy downs.

I’ve explained that I couldn’t find any leak originating from my bathroom and requested that they let me know if the leak happens again so I can investigate further.Their response was:"This happened on Monday, and it appears to have stopped.

At 95% LTV (I would choose 95% LTV over the fha) the down and reserves is easier than the monthly.  

most bankers are standoffish ;-)yes, the HML/PML will be higher cost, but my concern for you is the banker knows he can't do your deal, but will string you along for a while, ask for additional information that takes you time (and maybe cost) to put together and he ends up either ghosting you or taking 6 months to tell you no.I could be wrong and you may be dealing with a "unicorn" banker, but I believe a HML/PML that knows construction in your market will be easier to work with, actually close your deal, and end up "saving" you money in the long-term...just my 3 cents - even inflation has increased this!

I hope everyone scammed here is able to recover at least some money; however the subject “guru” appears to be quite adept at dodging responsibility and consequences.  

Condos may be an easier entry point, but they have pros and cons.

I went to walmart.com and looked at the Zinus / Spa Sensations Green Tea 12" mattresses, there appears to be different models.

It appears the base zoning must allow for the creation of 3 units in order to lease a total of 8 bedrooms.

Easier to work on and if one craps out you just have to replace that one instead of the whole combo unit.

Cheaper, easier, faster.