I did all of my loans with small local banks in my area and was always happy with the rates and service.

You could also engage the services of a buyer’s agent.

It may or may not show on a credit report, depends on the servicing and you should have the loan serviced.Failure to include the debt on a future loan application is mortgage fraud, wanna go to jail?

I would budget maybe 20-30k depending on how far you are going down.

Our focus has been on documenting our strategy, creating work instructions for all of our processes, holding true to our buy box, and not overleveraging ourselves. 

They should be bale to guide you more based on what you are looking for in the area. 

Choose the one that offers the best deal and service, and you'll be set to move forward with the process.

Maybe something along the lines of your insurance company requires the heat to be set at certain temperatures or they won't cover a damage claim etc.This way you are telling her there is nothing you can do it about it.

I have also been doing quite a bit of research on Loan's, tax consequences etc., and am working towards being a expert in this niche.  

@Unal Baris Kancoglu Costco is a trusted name for many things, but for HVAC services, it’s important to understand how their model works.