Does that just increase your hold time, so decreases real estate activity?

Closed sales have decreased by 6.9% year-over-year, with 880 transactions in July 2024.

I know it is painful when you have bern decreasing the rent already.  

This is common when a borrower moves for work reasons​.Increase in Family Size: If the borrower's current residence becomes inadequate due to an increase in family size, they may qualify for a second FHA loan.

Well that's what I'm trying to figure out, from a room-mate perspective, if the decrease in what the two non en-suite bedrooms needing to share a bathroom with a third (fourth in total) roommate is worth the extra rent I could charge. 

Lots of our clients are interested in mini splits, but they always seem too expensive...all our subs tend to only like Mitsubishi, which is pricy.The heat pump will indeed still function in colder temperatures, but its heating capacity gradually decreases as the temperature drops.

At least we're not seeing steep increases like a couple of years ago and in some areas (PCB and 30A) there are even some price decreases.

So although the goal is increasing rental income, I would also focus on decreasing expenses.

Either a lender or an agent is going to want to feel confident that you are working with someone on the other side that will actually be able to help you and will get the deal done but as long as the professional you choose has that ability there is no reason that would increase/decrease your relationship with them.In terms of the credit check - this is important. 

In an environment where rates are decreasing you could temporarily get a larger reduction in monthly payments and (hopefully) be able to refinance at a lower, permanent rate sometime in the future.