To your last point; I definitely mirror your concern about the rates however some perks of using the VA loan is no PMI as well as pretty minimal closing costs depending on your disability status.

I spoke to a lender and he told me that I could not purchase that house with a conventional 10% down loan even if I plan to move into it (I do plan to move into it) because there is no reason to move into a mirror image of my own home that would satisfy an underwriter.1) Is that true? 

You pay 1% of the purchase upfront at closing and you have what's considered "equity assurance" over the property. if the note is called due, they will refi your property with a note mirroring the terms of the original and you will just make those payments to them.

HUD's or the city's.Look in the mirror.

Look into instant ways of creating rapport by: Matching, Mirroring and Cross- Mirroring/Matching.Yes, you can benefit by reading the books and doing the exercises in them.

He asked me about it and I gave him a 300CFM fan I had collecting dust, and he now has a clear mirror after long showers, as well as dry walls.

Generally.My anecdotal experience mirrors what Dan is saying: I bought a median value SFH in 2014.

While the future may not mirror the past, it is the best indicator we have.We target a narrow tenant pool segment, and the following only applies to properties our target segment is willing and able to rent.Between 2013 and 2021, prices increased by over 15% per year, and rent increased by over 8% per year. 2022 was a difficult year for everyone.

I think that folks still have the 50% YOY appreciation and 100 offers in their rear view mirror as a comparison and clearly, today's market is substantially different. 

@Shanese Francis basically yes, but one never knows the actual timing of the market cycle (plus it varies for different markets, property types, etc.) until you’re looking through the rear view mirror ;)