You may be able to secure higher leverage financing through alternative lenders than a traditional bank (not always the case) and this may help advance your objective of reducing the down payment/cash requirement but that may only be temporary relief as you will likely pay more over the course of the loan because of higher rates and fees.

Instead of cutting your market in half, I recommend finding ways to allow pets while reducing risk and increasing income.I allow fish tanks up to 20 gallons (275 pounds). 

The idea is to purchase a single-family residence where they would help cover the mortgage, or at least reduce my monthly payments.I’d love to hear from anyone who has experience with house hacking!

I typically build in an inspection contingency into my offers (yes this reduces my competitiveness of my offers, but its also a safety net to protect my bottom line).

Once you import the data, you can bulk edit and categorize transactions (e.g. if you have the same mortgage payment every month, you can search for the merchant name for all the mortgage payments, and bulk categorize all those transactions in a few clicks). https://support.baselane.com/hc/en-us/articles/2548350790581...Hope that helps!

I guess this is a perk of buying at the peak of rates now that the Fed wants to reduce rates in the near future.

If you do not want to do that, then you would have to ask the seller to reduce the purchase price by that dollar amount.

I'm fairly confident from reading online we don't qualify for an exemption, but I'm trying to assess actual closing costs to trying and reduce them All details:Bought the house 2.5 years ago for $980K (left on mortgage $753K), we have a clause for an assumable mortgage for me to take over (I can keep same rate).

A cash flow study should be performed to ensure that the refinance does not drastically reduce the property's return.Good luck!

@Michael BaumI believe they noted to be another 1/2 point and down to 4.5 by end of year, 3.5 by end of 2025 and 3 by end of 2026.Again mortgage rates are closerly correlated to 10 year not short term rates - so we can see how that reacts and how investors price the 10 year to gauge mortgage ratesI think people think rates will drop tomorrow but the last month rates have been dropping knowing the fed was reducing rates