We have a small state park that about 2 million people visit each year (this number surprised me).

He was surprised to hear Vrbo did not automatically charge the balance, and he paid it immediately. 

I was surprised by how frustrated she was - I had no idea it was that bad.As we talked more, I started wondering: why can't we do better?

It's not really that surprising as the big banks have historically not been where these are financed.

Yes, the interest rate is higher than a conventional product but surprisingly not by much.

The differences are not very big and adjustments are mild, but that is also something to be aware of as it might surprise you, depending on the lender.

Yes, Zillow is surprising unprofessional.

With ADU Geeks he worked all over San Diego so I would be very surprised if he hasn't worked in La Mesa.HELOC is always the most firm route - I have recently learned of some solar companies funding home improvement loans that I am looking into myself.  

Quote from @Trent Reeve:To be honest, I am surprised by the responses.

Your emergency fund is a great cushion, but be ready for unexpected expenses.