These can at times offer lower than average 30 year fixed rates, eliminated PMI requirement, lower down payment requirements,  and closing cost credits.

@Erin Silva  I created a spreadsheet based product that may offer you another option (also a tablet version).  

We all offer them but it depends on if you need to have a walk in branch in your neighborhood or for traveling.  

However, in my market, realtors often ask for an offer before providing basic information like the age of the CAPEX items, including the roof. 

Propstream doesn't offer predictive data with AI

I have a tenant that will be applying for renters insurance.

Unless you have a job offer in Arizona, how is the Loan Officer going to issue you an owner occupied mortgage out of state? 

My current primary ( scenario 1) Keep the primary for the life of the loan ( current rate is 4.5 so i dont see my self refinancing anytime soon)current home value 1,150,000Loan amount 935,000appreciation estimate 5% per year after a 28 year hold and the house is paid off I would have a house worth 4,312,000$my current mortgage is 6125$ ( piti) included My second option( scenario 2) Sell the house, walk away with $150 ,000 ish in hand and put that into a low cost index fund Rent a house elsewhere for about 3000$ ish and take the extra 3000$ im saving everymonths from not having to pay my mortgage and puting that money in the index fund as well I ran the numbers on both of these scenarios and doing what I mentioned above would break even at about 28 years meaning my stock account would be worth 4.3 million just like my house would , but the only is that holding a house for 28 year would mean 28 years of property taxes, loan interest ,home insurance and repairs etc whick I calculated to be about 1,200,000$ at minimum which raised my eyebrows to say the least Also i understand that each of these options ( stock market vs real estate ) will have there tax consequences ( long term capital gains) so any thoughts on that would be appreciated as well.  

You need to match your self and your scenario with a lender who offer unlimited products and programs with prime rates.

Depending on the county, the assessor will pick up your sale price and adjust your taxable value to 70-100% of sale price.Insurance: Have your insurance broker get you a soft quote based on your lender's insurance requirements.