But we made one decision that history may one day show was the wrong choice--our rate is floating. 

I think you might be googling the wrong terms and of course google is no replacement for local knowledge/help….The “notice to quit” requirement is 10 days.

If I just ran out and grabbed the software someone else used without knowing the reason for needing it, I could have easily grabbed the wrong thing.

With all the things going wrong on Sunbelt Fund.

If there is a disparity on loan estimates for either of these items, at least one of them is wrong, and the APR may be based on unrealisticly low costs. - Quality absolutely, 100% makes a difference when it comes to lenders.

I love all those neighborhoods you mentioned NW along the blue line - you can't go wrong long-term2. 

Am I wrong?

This might be the wrong forum so I request that it be moved by a mod if it's not the right one. 

If what I wrote is not clear to you or if some of my assumptions are wrong, then stop your DIY attempt and hire a tax professional.

If they are advertised this way then there is something wrong someone is trying to hide.