I like the 5% conventional over fha because you can drop pmi once you have 20% equity without refinancing and the appraisal inspection requirements on condition are less strict. 

I dropped them due to the bill increase.

Looking at multi family in mt pleasant and I’m seeing all over online crime rate is very high but agents and PM’s saying the area isn’t bad.

If you open up the schedule and another guest books, then I agree with @Chris Seveney that a credit (assuming the new booking is at a discounted nightly rate) would be more than generous and also lets her know that you are a reasonable host if she does decide to book again in the future.It just feels odd that she would be contacting you the day of check-in to cancel due to the weather, when she could have communicated this days ago.

After 4 months they give you the opportunity to open a secured credit cardAnother is called "Kikoff": These guys will report a $500 Limit Credit Line for less than 5 bucks a month.These modern services are a great place to start, they will never report late payments, won't get you into debt and build your credit score every bit as much as credit cards.After you 3 - 5 of these open for 90 days THEN apply for credit cards, you will get much better approvals, higher limits, lower rates, more rewards etc...Mortgage lenders will also be looking at how long those accounts have been open.

That may make sense when rates are at 2.5% but it doesn't make sense at 7%.

The highest rates were in Illinois, Delaware and New Jersey.Link to article: https://www.attomdata.com/news...You can make an argument that not many of these properties will end up in the hands of the bank as REOs.

Hey Chris, I dropped you a pm.  

I can't make the numbers work with these rates and high prices.

:In accordance with the City of Chicago Building Code Title 14B:14B-6-601Table 601Type V-A construction:Floor Construction and Associated Structural members:The table notes a 1 hour fire resistance rating; however, in accordance with exception (g):"In single family dwellings, the floor construction over basements and unexcavated spacesbelow the first story above grade plane is not required to have a fire-resistance rating."