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.

if you're W2 and full-time, hourly or salary, you should be able to go off your pay stubs for qualifying.

One would also pay 10% ish fee to convert foreign currency to USD.

I think I'll have to wait 2-3 years to pay for the renovation unless I take out a loan for the shower renovation.

If you pay the $250 and they say it's all perfectly glued and installed schedule 80 then you're going to have confidence without worry.

She said that if I pay $42,000 for the next 18 months, that she guarantees I will at least get this 42,000 back by the end of 18 months but probably much more. 

Usually MTR comes fully furnished with utilities included, so you pay for the convenience.if the area has traveling nurses, other professionals that come for a few months for work they normally pay more, in certain cases the employer pays the rent not familiar with that particular market,  but worth looking into it.

All you're doing is paying for that NCF upfront. 

Or better yet your properties can start paying off your properties.

If they failed to pay the bill and utilities are shut off, they are responsible for any damages caused.