I’m in northern New Hampshire where we regularly get to -20 degrees during January and February.

Regular mortgage.

HELOANThis takes second position and is a closed end loan, meaning it's given as a lump sum similarly to a "regular" mortgage.

Real estate is too much work to not be getting absolutely killer deals (and there's not that many available right now).rental vs adu , rental always wins because gross PPSF-appraisal/rent of ADU is less than PPSF-for-rent for regular rent.and with the available of homes already has converted room (and ADU) makes building adu is a moot point.i would just even buy SF with 6-7 rooms 

I learned the drywall was cracking in October, but I'm not local to it so I wasn't checking it regularly.   

In addition to their standard updates, I appreciate the regular calls with a supervisor to address any issues with our rep and make sure everything is on track.They've managed several of my properties, and while there were occasional maintenance costs, I felt they were reasonable and necessary to keep the properties in good shape and avoid bigger issues down the line.

I'd much prefer to put $60K on a down payment and closing costs so I have $50K to fix it up.So a couple of questions: 1) Am I mistaken in thinking those kind of lower down payment products are out there for regular folks like us? 

As best as I can tell on both sites, the algorithm looks something like this:Cheapest price>least restrictions (cancellation, # of days minimum, etc)>Premier/Super host>Review Scores>Most discounts (weekly, last minute, etc)>Regular revisions

For example, I think when people look at rental rates in Spain they consider regular annual rentals and Airbnb-style rentals which are two ends of a spectrum and have their respective drawbacks (changing legislation, etc).

If you have a lender you trust and work with regularly, it wouldnt hurt to have a conversation about it with them.