I catch myself feeling like a messed up if I'm not able to refinance 100% of my cash out because the appraisal comes back low.  

https://oregoneconomicanalysis.com/2017/12/14/why-...Wondering if that would alter your prediction on ~2021 being about the point where starts will catch up to demand.

They pay the first month in arrears and will catch you up the second month.

As long as they do a good job and without photos of the work area I would say it seems fair.

Getting your house in the MLS with an attractive set of photos (learn to take your own...some of the photos full-price agents put in MLS are just downright embarrassing) is the most important thing in getting buyers in.Just for getting it in the MLS, of course, you could use a $300 flat-fee broker. 

I thought that I might have a good chance catching their interest with a handwritten letter and the fact that I am a local, born and raised in this town, that I am young and starting out, that we could work out a deal without them having to go through the hassle of listing the property. 

The catch is that the home must be within a certain census tract.

I've been meaning to catch one of their meetings.

Get every bit of documentation you have (docs, photos, reports, etc) together and organized. 2.

Great advice about following a system; why waste 10 year catching up or trying to reinvent the wheel?