All that being said, none of this prevents Mrs.

Nothing in this section prevents the creation ofa joint tenancy with right of survivorship in real or personal property if the instrumentcreating the joint tenancy expressly provides for a right of survivorship, and no otherdocument shall be necessary to establish said right of survivorship.

Save a Little Longer – A larger down payment will help reduce the monthly cost of the mortgage; if you can save for 20% down, you will also save in Private Mortgage Insurance which is added to all loans with a high Loan-to-Value.Having a student loan does not prevent you from buying and owning a home.

The Governor of Indiana just extended an order preventing evictions and foreclosures. 

If it is raining inside and draining out research a better top that is rainproof.Eliminating chimneys is a long term goal, preventing leaks a short term immediate need.  

Over time, most have written off their losses and essentially abandoned their units...driving down values while also adding to more supply of vacant units, preventing home values to go back up.

Does this prevent you from being able to refinance later since you are using some of the equity up front?

My point is, and I hope this would never happen, but I don't want to have to pay a $75 service fee every time something starts going wrong not due to damage (e.g. leaky pipe/faucet, leaking water line behind fridge, leak from washing machine, clogged dryer vent, leaking water heater, A/C condenser fan gave out, furnace stopped working because the control board went out, etc etc etc).

What you are asking of him is reasonable to prevent future miscommunication.

I believe right now in NY state (and some other states) that you may be prevented from evicting due to moratoriums due to the covid pandemic.