Every time I have encountered a 100 amp main, it is accompanied by outdated and non-code compliant internal wiring and on several occasions 'knob and tube.'

Would love to get some advice on the topic as this seems to be a big difference I am encountering.

What I encounter as the "new lender" is folks lamenting that they had to muck about for 4 months and still weren't even preapproved, but in the meantime NACA wanted them to help their marketing efforts, wonky stuff like that.

Sometimes it's a sticker and it really did fall off, or the print on it faded, but sometimes it's stamped and you can still make out the numbers, or put a piece of paper against it and rub a pencil on the paper, or similar.If none of that works, SHUT OFF THE POWER, and then open up that curved panel on the side (on the right in the second photo - closest to the flowers).  

But maybe not, I've never hired a tax accountant before so maybe it's just sticker shock. 

I've never encountered a "free stay" - as let's face it, someone is footing the bill for utilities, mortgage, insurance. 

Has anyone encountered any lenders who offer 30 Year Fixed/AM on portfolio loans?

This is a hypothetical question for me but I am sure someone has encountered.

So if I have a rehab cost of $30K for know items, I will budget ~$40K due to the realization that we often encounter unexpected items.

If you have zero percent financing you always end up paying more of a sticker price anyways.