I think HH provides these new home buyers the opportunity to purchase a home with some financial flexibility being able to rent out portions for extra income. 

I also usually refer borrowers to my preferred insurance agent and any realtors I have worked with in their market.

Always get title insurance and pay more for extra coverage (it's usually cheap for the extra coverage).10.

You were bothered that they didn't sufficiently thank you for the extra efforts.

Should I refi and get extra cash immediately or should I refinance and lower my payment to build better cash flow?

As I usually do, I'll limit myself to give facts and figures and let people draw their own conclusions, especially since I think the conclusions are pretty obvious here.1. 

I always tell our clients to find buildings with separate utilities when possible, and to also look for extra added values like larger units, rentable garage spaces, attics or basements you can duplex into, etc. 

Do you usually get close to FMR?

Unless paired with the above, these are usually thrown out in tax court. 

Allowing a single room makes them more at home and they usually have a specific request.