I think what has happened is that the stone has not been able to breath and caused moisture to be trapped inside.

I can recall one house I bought that when I walked thru, I had to hold my breath, and just walk straight thru to the back yard!  

And on that note I am going to stop before I wind up writing a book, plus I am having problems breathing again (Allergies) and need to call my pharmacy to see if I can get a refill of my meds (Inhaler) so I will keep everyone up to date as it comes along if that is alright?

I wouldn't hold my breath though, it is not likely to happen.

I'm paying locally right now (on a 2-4 conforming 30y loan), assuming 0 points and a ~$400k loan:- $2k origination- $495 appraisal- $90 tax/flood/credit report- $650 lender's title- $575 escrow settlement- $96 county recording- Transfer taxes, if purchased ... no taxes if refiAnd, best rate I see for that right now is 3.625% for a SFH and 4.0% for a 2-4.I'm an expert consumer on this, but not an expert lender - there's plenty of others who live and breath this and can provide lots more insight than I can.

The terms for the 15-yr loan sound pretty good actually, but a 30-yr would provide lower monthly payments and give you more breathing room in case of vacancy.

I wanted to breathe some new life into this thread, mainly because I need to differentiate it from a request for ideas on creative financing.

Then suddenly this swarm of pigeons come flying down the stair way filling every inch of air space to the point I can't really breath and for sure I can't see to make my way back down the stairs. 

Unless they buy 100 to 200 or more of them and set up a company to run them.Locals who live it breath it manage it as their JOB  can make these work but its a job and a constant merry go round ...

House-hacking gives you some breathing room.Do not offer a nice round, even number @Dominique Taylor.