I am leaning towards going with the refinance because it offers the lowest rate and overall cost, but I'm afraid to place my home in harms way in case something goes wrong.

That is a terrible credit score and delinquent payments are a sign that she makes a habit of not paying.

For example, a horse or a llama may be rejected from a small studio apartment.Second – if the building has 4 units or less and the landlord lives in one of the buildings.Third – it is a single-family house that was rented without a realtor and the owner owns less than 3 single family homes.Fourth – if the animal in the unit brings an undue financial hardship to the landlord.Fifth – if the animal causes damages or harm to others in the building.This was taken from their website and might be of interest to others. 

Also, you need to assess your habits and relationship with revolving types of debt.

I don't think it will stop people from vacationing at Cape Cod, but they will probably change their spending habits. 

I also believe that getting to know your partner, his/her strengths, weaknesses, habits and goals can build trust between you and help you progress significantly faster.

My guess is there would be no harm in throwing in a few hundred or whatever it takes extra into the account to avoid monthly fees.

Just based on my imagination, I would think a $40k property would require more than $15k for habitability. 

Is there any harm to putting in a first offer at 180K.Full disclosure, I’m willing to pay 225k but obviously nobody wants to Pay more than necessary.The house is 1800 square-foot with a very large screened in porch and an office that aren’t included in the square footage.

Quite frankly, you bring it to a whole new level; your bitterness, anger, hatred, mean spiritedness and vengefulness at people who have done you no harm is shocking.