So it's really not surprising when those places get flooded.

Planning to purchase in Phx,Az and surrounding areas, my equifax score is 700, experian 645,no debt whatsoever, have 1099 for 2022 and 2023 (required 2yrs), on my 1099s it says i make 135k per year, do not have tax returns (yea, yea), im planning to first start with my bank wells fargo.This would be my first home and at 1st plan to live in it, possible house hack, going for a -$300k loan. should i go traditional, fha , i plan to be on a fixed rate so I dont get surprises later on.In my situation, what down payment amount do you think will be needed .

You might be surprised at the amount of tax professionals who operate in a virtual environment!

Sean,Surprisingly, I haven't heard of militarybyowner.com.

It might save you from costly surprises down the road.Finally, be patient.

It's supposed to ensure there are no surprises after closing.

Feeling that there were just too many things I didn't quite understand and that unexpected $10k repair bill.Someone should contact them and casually see if they mention the foundation repair estimates.

But you would be surprised folks either don't believe we do this or they just don't have the drive to go find the deals etc.  

I get things piecemeal here and there, like all of a sudden after 2 years I'm responsible for placing lockbox, surprise!

Less surprises during the project will save you lots of stress and hassle.