They do know and want something in place you will have to go back to them to fix, or they're doing their best to go with the client's unrealistic wishes and don't have the guts to tell them that won't work.After dealing with plenty of these, I will tell you what I see works best. 

I got a new insurance policy at a higher rate.

This alone is a significant factor in premiums going up (even when rates remain stable).  

The Fed rate cuts will eventually help bring down mortgage rates.

Here are some practical steps and strategies to consider:## Single Family and Small Multifamily HomesWhen looking at single-family and small multifamily homes in northern Illinois and southern Wisconsin, make sure to analyze the local market trends, rental yields, and property appreciation rates.

You get a Capitalization Rate (CAP Rate), which equals your annualized return by dividing the Net Operating Income (you had gross in your narrative) by the purchase price.

@Mike Grudzien @Tim Delaney do you guys think it'd be worth joining a credit union in the city I used to live just to get the rate even if I'm out of state now, will they still give a better rate? 

Now, not to mention the interest rate on margin is always a lot more than a mortgage rate.

Best of luck!

I've heard Trump most signed an executive order to eliminate reduced rates for section 8.