Ensure the appraiser accounted for things like the square footage, recent improvements, location benefits, or other factors that impact value.

Portfolio lenders or credit unions may offer flexible refinancing options, while creative financing can improve cash flow.

Over the past few years, my wife and I have worked hard to improve our financial health—we’ve raised our credit scores above 800, paid off all debt except for our mortgage and student loans, and saved a fair amount.

Start with one, see what it really costs you and what you could improve on.

Who makes decisions on improvements?

AND, to boot, as we go higher, the air is thinner, there is less there (affordability).

It's slowly improving and I suspect sec 8 would be a poor choice.

., land) from the depreciable building and site improvements.

I won't air my dirty laundry in public but here are a few areas that I have issues with:1) We don't have a contract (shame on me) though we do have some agreed upon terms that were written.

This shows you're open to improvement but won’t let a picky guest's minor grievances dictate the narrative.Avoid Emotion: Keep the tone neutral and professional.