This would depend on whether your property is overvalued by the tax assessor and in turn you are paying additional taxes on that additional valuation.

In addition your 17 so I am assuming your still at home.

These will be LTRs and I will most definitely be playing the long game with these.In addition, as rates go down in the future (hopefully) I plan to refinance as most of us do.

In addition due to prop 13, the tax base is a fraction of if it sold today.   

Although I still think conventional is the better option, I wouldn't put 20% down if I didn't have to, unless you know you'll live in/own the house long enough to recoup that additional $. 

For some background info, I am 22 years old, and I graduated college in May 2024 with my bachelor's in construction management.

These are professionals with additional training and a stricter code of ethics.

The starting point for the info is http://www.mass.gov/envir/smart_growth_toolkit/pag...

 @Bill B. in addition, the TAR seller disclosure form in Texas also asks specific questions regarding insurance claims and if the proceeds were used by the seller to make the repair.

If any damage arises from her negligence she will be getting the bills for damages, plus costs of collecting which you bill as well as your attorney in addition to the termination of her lease.