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

Oh look, you get to deduct your cell phone, your internet, your tax prep, all kinds of other things regular people don’t. 

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

I know there are a lot of professionals in the suburb that I am looking that need a place to meet clients but don't necessarily want to go to their downtown offices regularly.

Regular mortgage.

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

I train my team to not waste their time snaking if they can’t fix it in 10 minutes and just replace it since toilet is under $300 (I use $120 Costco ones) but yeah these things are difficult to know for regular hosts.Besides that, it is unfortunate but I kinda see why Airbnb made that decision.

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? 

Just FYI :-)Yeah I know Simpson makes a structural screw for hangers now, with a hex head, but I’ve been seeing a lot of regular deck screws used lately and obviously if they’re not structural they don’t have the shear strength needed to support a deck.

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