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

I have changed my rental strategy to Co-Living (rent by the room).

He did try to work with me by extending my time from 6 month to a year which led me to ask him question about his turnover rate and success rate of his mentee.

This is true, but can increase your chances of success by working with an experienced team.Financing Challenges: Unexpected rate hikes or tightening lending restrictions can complicate your plans. 

Live in one unit - It's a great strategy when using a bank for financing as the down payment and interest rates are more favorable to owner occupants.  

New inventory and relisting rates have actually declined month over month which is allowing to pricing to remain elevated.

Id keep looking if it was not an approved short sale ( even an approved short sale takes a very very long time and theres no guarantee that you will even close on the house after months of waiting). q1)There are plenty of non traditional lenders that could offer you construction financing if the numbers make sense but it will cost you with points and a higher rate.

But I need PHONE NUMBERS to get better conversion rate for my letters.

This habit alone changed the game for me—I no longer have a mountain of data entry in March. 

I've done it twice in Reno, NV and it's changed my life.