Ahh, I can understand that.

New to real estate but possess a deep understanding of the responsibilities to continue to gain knowledge and remain loyal with my clients and professionally with my colleagues.  

I think one thing people need to understand is in the US the ten-year treasury is competing against the mortgage-backed securities and while the ten-year is impacted by interest rates, its not the only factor and amount of spending we do also impacts it.they auctioned off 30-year today and it went really bad as no one wants our long-term debt and it sold for 4.3%10-year notes recently traded for 3.96% but again very weak demand - which I believe means yield prices may continue to move up, which means interest rates are not going down dramatically anytime soon - so that fed 25 or 50bps drop is not going to have your mortgage lender dropping rates suddenly the next day...Now the spread between the 10 yr and 30yr mortgages historically is closer to 1.75 but recently has been between 2-3% due to yield curve.

Washer and dryer is different because they are pretty standard.

Charlottesville permitting is usually a nightmare and I can tell you that if you are trying to do something like that fully up to code then the city's standard is going to be more or less the same as a normal house/structure.

It was a standard loan.

The requirement is that the house meet habitability standards, and building code standards say a house must be pest free to be habitable.

All the same rules of a standard DSCR cash-out refinance would still apply.

This area of banking could do with some standards. 

I was in the same boat when I moved from Portland OR to Columbus OH and started with a house hack so I understand the challenges of getting started with a new market.