I'm not married to the list, I was more trying to prevent people saying small towns like Fayetteville, NC or Huntsville, AL.

I have a 3/2.5 block house with new roof 2024 On paper 2000 sq does not include 400 sq closed in Florida room with central air.

But, your payment can still be lower on an IO even with a slightly higher rate due to the simple interest calculation. and sure, you can get them without any points/buy down but the rate will of course be higher then if you did pay points. and details matter, so as for quotes the reality is to get a real quote, you are likely going to have to give someone the actual details or you are just getting a thumb in the air quote. 

There's nothing you can do to prevent this and honestly you are merely wasting money.

Anything metal that is outside will need to be oiled or protected monthly from the salt air, door hinges, doorknobs, gates, hooks, handles, bikes, light fixtures, chairs.

.- Tangent - Gas Station Air Compressors are a scam!

A person mentioned this could be due to preventing others from lowballing if the original offer falls through.

We would plan to keep our current home and rent it out as well if we did this.I appreciate your insight on the tenant-landlord relationship, makes sense to target a better quality neighborhood to hopefully prevent some of those issues.

Find a good home in a good neighborhood that will bring good rent once you leave.I’m active duty Air Force and have three homes with my VA loan.

Tenant maintenance includes changing the HVAC system filters, batteries, trash cans, electric light bulbs, fuses, resetting circuit breakers, cleaning of appliances, as well as window air conditioning units, humidifiers, and de-humidifiers, or any other services not specifically listed as supplied in this Lease Agreement at Tenant’s expense.