@Unal Baris Kancoglu Costco is a trusted name for many things, but for HVAC services, it’s important to understand how their model works.

Again even if you have great credit as you start to add more credit cards, mortgages, auto loans to your credit you can also be viewed as "High risk" due to Excessive trade lines in credit or higher DTI - debt to income ratios. 

having a HELOC to have an emergency line is smart since if you really need it in a crunch you could draw funds within 1-2 days or less in most cases.

There is no Due on Sale Police, the loan is serviced by a Servicer who is paid just a few dollars per month to service the loan.

Maybe something along the lines of your insurance company requires the heat to be set at certain temperatures or they won't cover a damage claim etc.This way you are telling her there is nothing you can do it about it.

As a matter of fact, I have openly ask a couple of posters before to tell me more about their services on an a public thread and they were happy to do so.

You could also engage the services of a buyer’s agent.

I have an opportunity to invest in Little Rock, AR and wanted to get opinions on the area.

Think about questions you can ask to gauge the experience the professional will give you when delivering services.

Quote from @Zach Howard: Quote from @Jonathan Greene: If you are looking at properties in the US only on Zillow, and not seeing them in person (I know you are in Hong Kong), this is just an effort in futility because you can't underwrite single-family or small multifamily deals only online.