If LTV is high - over 75-80% - we may also require pledging of other assets (such as being registered against a second property).The terms of the mortgage can be anything you and the lender agree upon - within the confines of the law.  

. - I definitely want carpet in the garage converted bedroom to make it look more cozy like a room.

1) Is the Cozy application process thorough enough?

Cozy now allows you to tackle expenses too I've seen.  

i.e. if it was done via Cozy, that's tenant initiated. 

Since i am not familiar in those 13 pages contract it will delay me coz i have to study those technical terms inside the contract.

They will take the smaller players like Cozy out of business quickly unless the Cozy type businesses can innovate faster.

Although a large room may not be too bad, confined spaces like closets are basically asking to "fog" yourself in paint.

If you cozy up to one in particular and are both making money with multiple deals then terms may get better as your relationship grows.Relationships are everything.

I'm thinking that the windows alone will justify the rent hikes but I like to keep a clean, cozy living area for people.