In contrast, we had someone break into the washers and dryers on numerous occasions, a drug dealer, a pot smoker, a gal who had boa constrictors, and more issues in a month than my 9 SFRs had in a YEAR. 

So, hopefully, your cards are spread out amongst Discover, Chase, Wells Fargo, BOA, Cap 1 etc...The pro's of using credit cards are all you imagine Easy AccessUsually deposits within 10 days of requestLow cost (mine are 2-3%) for 15 or 18 monthsThe 2-3% fee is rolled into the balance, so I don't really even pay that up front.The cons I've found to be as follows:After about 40 days of cashing checks, my credit score drops about 50-75 points and it takes 4-6 months for it to rebuild after the balances are paid.

He wants to sell but here's the catch...There's a first position mortgage from BOA for $475,000, the property is only worth $325,000.

He wants to sell but here's the catch...There's a first position mortgage from BOA for $475,000, the property is only worth $325,000.

Your comments regarding BoA, Chase and Wells Fargo are correct - low fee's (especially for online transactions and wires etc), a great online site and 24/7 helpdesk are the features I'm looking for.

I ended up using BOA (my bank for the last eon) for my biz account, just a simple checking account.

;)  Word has it that Bank of America has "acquired" those properties from TBW, but of course, this property isn't listed anywhere, and BOA no longer has any phone communication with their REO department.  

For now I have Discover and BOA 1,2,3.

Ditched BoA years ago. 

I understand the MCC increases in effectiveness overtime to the 5-year mark, and other details about the DPA, but would love anyone who has used or researched these programs feedback.ALSO, I am seeing this program with BoA up to $17,500 in first time home buyer assistance?