If you want that extra protection get a umbrella policy

Are you looking for a SFR with extra rooms for roommates? 

#Scottsdale Emotional and physical well being: (We have plenty of bars and that doesn't do it we have plenty of events with drinks)Income and employment: Depends on what you do, but Real Estate is not on par with the majority of the income earned hereCommunity and environment: (We have plenty of bars and that doesn't do it we have plenty of events with drinks)Like others have said take it with a grain of salt.....Like living in Scottsdale and the above is a joke if some of you don't get it :)

In 2008 and 2009 earned top 100 Chicago Realtor title. 

The extra step you need to take is in analyzing the HOA.

They may just decide to stay for 12 extra days, leave the house in a clean condition, and instruct you to keep the $3000 deposit. 

If I was in your shoes, I would first look into this option of tapping into the extra VA benefit that you have yet to utilize before doing another refi. 

Typically gym & pool is extra fee with several parks for kids.

But, I’m thinking and extra $75 per month.

Word of advice is that if you believe you are going to be stationed at your current location for a while consider using your earned benefit of the VA loan to house hack a detached duplex.