If your average heating bill is $150, you may not collect enough in the winter months when the bill reaches $225 but you'll collect extra in the summer when it drops to $65.

You'd be better off just investing in one of the many note funds rather than straight-up gambling for a couple hundred extra bps. 

As you've already discovered, dealing with their cosigner can also create a lot of extra work and come with problems, particularly if you have a helicopter parent or two.Home care for four residents?

If so, for them to stay they would have to cough up that extra money ...

At the cost, and given the benefits of most mortgage insurance offerings, is it worth it to pay (however much extra it is)?

Quote from @Brandon Polcawich: I recommend you spend some extra time educating yourself on how to run the numbers so you don't miss something and get into a bind.

In this case, he actually went the extra mile to negotiate a contract change with the seller due to my concerns.

If I'd know that I'd be paying it for the life of the loan I would have been better off paying the extra 5% down payment and enjoyed the lower interest rate but I don't recall ever being informed of that or reading it anywhere in my documents.

A year round pool is going to add way more money than an extra bedroom given you already have a large cabin. 

Is the extra few bux a year worth it?