Should i tell them that its going yo be extra $200 for the brother since he doesn't seem like a brother due to a different last name?

--Sometimes my first message (if they seem more serious and put a little effort into their first response): I saw your inquiry for my house at {{address}}.

@Manny Martinez FHA monthly mortgage insurance is typically 0.85% of the loan amount, so you are effectively already paying the rate you were quoted, $200 per month on an $80,000 loan amount would be about the equivalent of a 3% interest only loan, now factor in the difficulty in finding a 2nd mortgage in todays rate environment that low and assuming the refi rate you are talking about is a fixed rate, your $200 extra per month is paying down the balance of the $80k further reducing the effective rate you are paying on the $80k, all while paying about the same effective rate on your existing balance when you combine your rate and MMI... seems like it is a good move to me or at least better than finding a 2nd mortgage.

I'm looking to invest in STR too and Fairbanks seems like a good option to me.

Seems like an unecessary added expense, particularly as single member LLC's.

I actually do need to find a property in the next 90 days due to my work situation changing, but it seems like an almost impossible task.

My buddy seems good at it but hes also a realtor.

Seems like a very simple transaction but becomes complicated because we are in two different states.

100 percent. there usually is a solution, often the best opportunities arise from seeming ominous challenges\

With all that said after closing costs, origination / underwriting fees, etc. if seem very difficult to get things moving along.