I would recommend DSCR for you, or to continue contacting some other banks.

A 3' wide continual walking space perhaps? 

Do we want every phone call going to a designated person and they can contact our handyman etc - OR - do we want to continue taking these calls?

However, she claims she can’t afford the electric bill and refuses to keep the heater on continuously.

The tangible/measurable benefits do seem to pan out over the life of the system especially if energy prices continue to rise.

. :)  So with what you have raised and if you want to continue raising money you could follow the same path I did..

I actually hired this tax company in the Fall of 2021 to do my 2021 return and continued using him for this year (2022 return).

If rates do go down significantly, it will be more of a sign of economic instability.I recommend continuing to save monies until you come up with enough for a decent down payment.

To simply not invest with folks who exhibit "Free Spin" syndrome, and continually buy without putting their own money where their mouth is.

However, home prices vary depending on location:Cincinnati: $319,310Columbus: $348,569Dayton: $261,583Ashland and Athens: Around $203,000Mansfield and Lancaster: Less than $200,000 Ohio's home prices are expected to continue to increase.