However, if you need more flexible terms then look for a local mortgage broker who has access to a lot of companies offering HELOCs with most having more flexible terms than local credit unions. 

In some cases, Fannie Mae may approve a PMI removal even earlier than the 2-year seasoning period if you can prove the substantial increase in the property’s value.Speak with Your Lender: Given the complexity here, consider having a direct conversation with your lender and asking for a specific review of your PMI removal request based on the current LTV and any potential reappraisal opportunities.In summary, while it’s generally required to wait for the two-year seasoning period for PMI removal on HomeStyle loans, there could be flexibility depending on the lender’s interpretation of Fannie Mae's guidelines and your property’s new appraised value.

In a situation like that where they did not see the unit ahead of time, I would likely be more flexible about these issues.

If your landlord wants more rooms painted, I would tell him to hire a contractor and I pay 3200.You can roll two rooms in an afternoon and in the end it's only $100 and at least you have someone who seems somewhat flexible.

Duplexes provide privacy, flexibility, and scalability, but strict short-term rental regulations may increase upfront costs and maintenance.

Creative financing can provide flexibility in structuring deals that work for your financial situation.I understand that rates are a bit higher than everyone would like at the moment.

If you’re able to save another $20K within 6-12 months, waiting could open up more opportunities and give you more flexibility in your investment choices.If I were young, had $23K, and believed I could rebuild that savings account, I’d seriously consider making the jump.

However, the absence of a renewal option in the lease could indicate uncertainty or strategic flexibility.

Additionally AB2533 should grant more flexibility courtesy of its language to limit the city "impact fees" - like that $8k number - so that a good chunk of those fees can be waived since the state is now supposed to reimburse the city for those fees in lieu of you paying them. 

Given everything you've shared, one key thing to consider is flexibility.