Effectively, we'd have a mortgage for $265,000 - 280,000, which would cost us around $180 - 200/mo more in mortgage + interest.

I have a few new construction clients right now who are flabbergasted by the quotes they're getting back.When I did build new, I did a ranch style with a walk out basement as it was the most cost effective way for us.I love raised ranches for converting into duplexes.  

That way when you go to refinance the property, your score is not effected by the outstanding balance on the card in the other person's name.  

It is very effective at paying for benefits like retirement funds if you want to go that way.  

If I don't know you, if you send an eMail/text it gets ignored.A phone can be a brutally effective way to cover a lot of ground,Is there something about cold-calling that you don't like?

I don't really have a recommendation for the brand, just go for something that is cost-effective and appropriate for the neighborhood.

"I'd put that in the same bin with "We need to spend money on infrastructure" braggadocio by politicians to get elected.In effect, it'll prob be like stimulus check for $1B OR got 10 years back - It'll go in the GenFund, and then 80% will go to PERS (aka the budget blackhole).That's the problem is they're a good idea but mostly are "lets cut a check" and don't audit effectiveness.

Also it keeps your insurance from being effected. 

https://www.nbcwashington.com/news/local/new-laws-taking-effect-oct-1-in-dc-maryland-and-virginia/2431910/

BUT, you cannot have different terms if the current lease is still in effect.