For a "Professional" developer, defined as someone with 24 projects in the last 3 years, the minimum score drops to 660 and the down payment is only 10% with a 9% rate and 1.0% fees.

Thanks.If I'm you, the last thing I'd want is the seller installing an AC unit, water heater, and a furnace right before closing.There's ZERO incentive for them to do the work with the same "love" that you would. 

There have been sweeping changes in L/T laws in NYS in the last 5 years. 

They are also the same individuals who are constantly involved in conflict, have terrible loss run histories and therefore higher insurance premiums and are paying far more on legal.

Last point.

And lastly.

It sounds like they did work after your last payment to them.

In total, I won't be able to rent out my unit when I need to and I won't be able to sell unless I take on a heavy loss.

Here are a couple of HOT tips:Buy furniture on facebook market place on the last day of the month to score bargains.

I’ve listed on FF and had a request for long term stay cutting into summer season and I comped it based on last summers revenue and declined.