I'd go the 6.125% route, since you can probably refi down the road again.

During that time I would save and look for a house hack, might be a year or two down the road but you are 21 so who cares. 

According to the Tyndal AFB across the road from my place said they registered the hurricane as a 5/6 cat hurricane/tornado combo.

I need the full package: credit report, criminal report, eviction history.Thank you for your help!

We were suppose to be down there on Oct. 14th, but have no way to visit due to the damaged roads.

The HML as you know never leave their office.. they collect data just like a bank does order the appraisal and all that jazz we dont do any of it.. we will run criminal though we dont want to be funding any bad actors or dead beats.

Will be a long road ahead for you all over there, been praying for speedy recovery and safety

so much private land has been logged and replanted since then.. in those days we would buy a 40 lets say for 150k  take 200k of timber off of it then sell the land on contract for same price then hypothicate the note to pull out more cash rinse repeat.. we also would use our logging roads and staging areas stratigically so when we left the roads were in the right place to do a 4 way lot split and the landings/stagging areas became the building pads.. in the NW permits for logging are not tough.. in those days it was over the counter and there was nothing you needed to do with regard to excavation.. however if I just bought the land and wanted to put in roads and pads then I would have had to get a grading permit and all the survey and engineering that went with it.. its was really something how we did that.. and I miss it to this day.. the other item that made it so profitable was Japan was paying premium for Export quality doug fir logs.. you could get double or more for export logs.

Welcome to BP from right up the road in Austin!

Happy to chat @Tyler Hall - STR regulations differ from area to area, but for the most part you shouldnt have a hard time finding a place you could live in now and STR down the road.