if you miss your rate lock timing and it costs you to relock who should pay for that?

This is not the cheap markets but the higher cost markets.This year I added a half bathroom out of existing space in a very expensive area. 

Background on me: I need to obtain a graduate degree for promotion at work, but it can be in any field at low-no cost to myself.

Don't forget, you’re going to be out 10%+ in closing costs so you’ll walk with zero cash and pin your hopes on them paying you 20-30 years from now if that’s all they put down. 

@Juan Antonio Villagomez If you're new to rental property taxes, your approach should balance cost, compliance, and tax savings.

So if fuel costs goes down a third, overall production cost for that good goes down by 1%.

Modular, on the other hand, which I also deal with, you can do a mod and put it in the city limits but would cost as much or more as a stick built, more if you go with a two story.You're much better off going with an existing duplex

The one thing it had going for it was actually talking to a person but it’s also costly and takes time to hire and train a team, only for many calls to go nowhere.Lately, as an investor I’ve been using an AI that’s been way more effective than I expected.

This way you have a free or mostly free refinance from a cost perspective. 

Costs include a conversion fee, potential property upgrades, and legal expenses.