However, they also remember (and share) the people who shot straight with them, even if it meant they weren't the right fit for them at the time. 

Usually, the late fee is meant to do that. 

FHA has PMI(MIP) for the loan's lifetime is what I meant, if under 10%, I believe.

I must have thought that NOT clicking “activate” meant I wouldn’t be paying for policies w/American Home Shield (I’m suuuch an idiot!!!

Just wanted to clarify that and make sure I understand what you meant by requiring less money down.

I meant, if it is taxable income, how can I avoid that or is there a way around it?

Oh, sorry meant Columbus OH...

To clarify my comments on the topic, what I meant to say about that point is that I've never met anyone who wouldn't go to Tulum because of its distance from Cancun Airport or complained about it.

I meant I have no liquid myself but if I can have down payment assistance, would it be recorded where it comes from?

They chose to refinance at 70 LTV to keep their cashflow higher, which meant that their new loan was 164K and they took out their initial downpayment + close to 30K additional... leaving no money in the deal with a deal that still fit the 1% rule and cash flowed.