And, even then, hitting your rate target would still be extremely challenging unless you were paying points up front, in which case it would probably make more sense to just try to put in a bigger down payment (or pay down the balance if refi) instead and get better terms naturally offered at the lower LTV.

Hey Anthony, yeah just some additional details. 

Also, qualitative ideas would be welcome just conceptually what we should do.

This is a super important question and it doesn't just apply to lenders.

You just can't do new construction.

Insurance challenges are growing nationwide, not just in California.

Theoretically all the condos have the amenities, not just yours.

Just ask the owner what are you going to do with the money if you sell for cash??

I just moved a kid out last month after just five months in the rental because he was problematic.

Lowe's just came out with their biggest appliance sale of the year- up to 40% off.