Just wanting some feed back to my particular situation.

If the pipe is a common pipe that feeds several units, then the HOA will be responsible.

I have talked with other people that have used Renters Warehouse as @Chase Keller mentioned and I have heard nothing but good feed back. 

our realtor has had several other people do it with no problems but wanted to get BP thoughts and feed back.FYI we looked into a REFI but we don't have 20% equity in it (2 yrs) and this will not be our primary residence in 30 days when we close on the new house.

lol15 year has no real benefit other than feeding an emotional trap that makes people think debt is bad.

I'm glued to the Weather Channel.

I dunno, guess I'm just too dumb to figure that one out.... and by the way: the classes are $20K max, and NONE of them qualify as pre-law.Also, depending on the scenario, towing fees can be upwards of $500, enough to feed their family for the month.... and then people wonder why drains get filled with concrete, walls get broken open, copper gets stripped - with the water still running - or buildings get torched when there's an eviction. 

But if the mean time I have put in 5 or 10 offers a week, with follow up, comps, feed back, and counter offers ,etc that is a more then enough for one agent.   

All of which does kind of bear out the observation to not listen to the weather channel or think that a little catastrophe will put a damper on things.  

If you've got a $2k mortgage, saving $6k for 3 months should be chicken feed as an investor - nothing you can do anything substantial with, in other words.