@Eric Lee Nation    I did ins claims in another life for 14 years - I do not recommend that EVER as someone's employment but I did learn a few things.Here's 2 things agents or no one will tell you -- your Replacement value (RV) on the house is JUICED up way higher than what's realistic -- however you have a relatively inexpensive house so it's not much of an issue - but typically the reason they juice the RV is to get your wind/hail deductible higher -- typically 1%, 2%, 3%, 5% of RV is what your wind/hail deductible will be even if you had a $1k or whatever other deductible they offer for any other peril -- so follow me for a minute - you bought a rental for $150k -- they've juiced the replacement cost to $250k the most likely loss in KS or the midwest in general is going to be wind/hail --- the math actuarial nerds do this so the casino or the ins company in this case has the upper hand -- do the math what a 2% or 3% deductible on a $250k house will be -- I have a commercial building insd for over a million -- the lowest wind/hail ded they will give me is 5% -- the only reason I have ins at this point is I'm required to -- the wind hail coverage is worthless to me with as high as the deductible is.Anyways with that out of the way - ask your agent if you have a 3% option - at that RCV cost they figured of $99k that wouldnt be much different than the $2500 all perils coverage you have now -- Also I'd wager as someone mentioned dropping the med payments to others coverage -- it probably wont make a bit of difference in your policy cost -- I could be wrong - but I'd guess $25-50 dollars a year -- your coverage is the price it is due to the perceived wind/hail risk the company is putting on KS.I'm with Big Red and have been for a # of years -- your price to insure that house is on par with what I get from them for that replacement cost -- though i think State Farms game is a bit different they really jack up the Replacement cost so I have higher wind/hail deductibles -- I'd make out good if the house burnt down or a tornado destroyed it - but for a hail claim there wouldnt be much there.

I know, it’s rude of me to do such a thing, but had no better idea what to do.Well, the thing is that the guy owes to his bank thousands of dollars as he kept depositing money to various online casinos.

@Patricia BatesThey best advice I can offer you is to get the parcel number and call the local County Treasury Office for taxes.

I’d love to hear others’ thoughts on this.I don’t think that spreads will react because of what the fed does, but if treasuries or LIBOR/SOFR increase I’d be more inclined to expect that lenders would lower spreads.

You and your title company may have to work to get them removed or settled.Governmental liens like other tax liens, city demo liens, city lawn mowing liens, IRS liens, treasury liens, federal terrorism liens, etc, don't get wiped out.

So it sounds like you can't use the pre-payment to build a bond ladder with 1/3/6 month Treasury bills in a margin account (And use the margin to buy $SPY). 

Just minutes away you have Gulfstream Casino, the racetrack, and Aventura Shopping Mall.

Fannie Mae was directed by the previous treasury secretary to target a new cap on the percentage of investor and second home loans to 7%.

Are you planning to do BRRRR-nb near the casino’s?

The 5-year Treasury-indexed adjustable-rate mortgage averaged 2.59%, down 11 basis points from the previous week.