Rates are usually in the high 8s or low 9s, and you are likely going to pay 3-4 points for these loans. 

Simple touches like fresh paint, landscaping, and clean walkways can make a big difference.Highlight Key Features: During the appraisal, point out any high-quality materials or unique features you've added.

We did get much lower costs when we changed to minisplits but the initial cost is high.

It really doesn't apply as much anymore in most markets because rates are too high and homes are selling for too much. .75% rule is more viable and would be the new 1% rule in this market.

Funny story is my ex wife's mother went to grammar and high school with OJ.

Pretty cool.You probably won't find this type of home in Florida or anywhere where the water table is high.

ETC: February- buy a high end home at a destination location.  

In New Jersey, there are numerous brokerages to chose from, and I highly suggest you do a google search and look into 100% virtual real estate brokerages in New Jersey. 

If you are in a state where eviction cost is high and it is tenant friendly you may need a higher credit score to offset default risk and eviction cost.If you are in a landlord friendly state where it is easier to get non paying tenants out you may be able to handle more none payment risk.  

High credit scores and low DTI are often required…and these take much longer than I first thought…Navy might take 45 days to get through the gauntlet.