Always consult with your attorney before you rely on the above information.my comments are are based on my buying courthouse steps in  CA OR WA NV MS OH   

A 988sf roof w/ a 6/12 pitch is only 1,105 square feet of roofing w/ a 10% material waste that's ~12 squares of shingles.Roof Quantity CalculationOakridge roofing shingles are $140/sq at Lowes.12 squares*$140/square = $1,680 in shingle materials + a few hundred dollars of underlayment and flashings, so there shouldn't be more than $2,000 in materials.So in other words your Contractor has quoted you $9,000 for labor for a roofing job that will likely take a crew of 3-4 guys one to two days tops. 

Good point.. if i factor in the PMI's as an effective rate, I might be better off w/ a higher rate and no PMI's..What would be an example of a portfolio lender? 

To make a long story short, we have a lot in Woodinville, WA (outside Seattle) for sale.

I noticed you are from WA as well.

Hi, my family and I just moved south of Denver from Washington State.

Greetings,I am hoping someone can give me a bit of feedback; I own a duplex in Washington state and the new owner of the duplex next to mine wants to build a fence separating our properties, which I am fine with. 

Welcome @Warren Berlin - always good to see another DC/MD/VA face on board!

I have been working the probates hard the Seattle, Washington area now for 3 months with no success.

I grew up in KC and currently live in NW Washington.