As you know, pets can cause a lot of damage internally and externally (think killing the grass or stinking the turf).

I get complaints from the HOA that their grass it too long, the flowerbeds have weeds, they have a broken down car out front, etc..

I spoon fed comps for a refi I completed last month, but they refused to use them because they were off market turnkey.

We all know the fed will raise interest rates in the next few years.

Also look at the monthly bills for electric and heating....and if there is a pool(s) the water evaporation replacement costs.Does it have 100 year old chimneys that are unusable and crumbling, needing expensive scaffolding re-pointing or removal.I'm just pointing out there are LARGE dollar outlays beyond normal for these big Trophy Homes that it would be smart to budget for monthly.Do you intend to ride a lawnmower and cut the grass yourself or pay for it--etc...

When COVID hit in March 2020, both Congress and the Fed began taking drastic measures to keep the economy from tanking (for example, the $167 that gets deposited into my bank account from the IRS every month, I'm not even sure how or why).

Got me.I do work on my Vrbo, I even mow the grass on a riding mower for that house.

Variable rate always scare me, but especially when the fed has already announced their intent to raise rates.  

But now that we've closed on the property, we'd like to shop around for a conventional loan, so we can lock in a low(ish) interest rate before the fed increases.

But now that we've closed on the property, we'd like to shop around for a conventional loan, so we can lock in a low(ish) interest rate before the fed increases.