once a month is sufficient? 

Example: If your home was built in 1995 and sleeps 16, you will not be required to install a sprinkler system if you applied for your permit today.

Set aside enough for a 20% down with sufficient reserves.

I need to sleep at night.

We think it’s important as it allows us to check for Non-Sufficient Funds (NSF) issues and to determine if an applicant is living paycheck-to-paycheck.

From Northern California to LA, inland temperatures are expected to exceed triple digits in many areas for July 4th weekend.For those that have ever tried to sleep in 80+ degree weather without AC, you will recall...it isn't fun?

Whichever one makes you sleep better at night, choose that one. 

The current lender could appraise the smaller parcel and perhaps determine the collateral is sufficient.

if you can somehow - you rent out all the rooms in a house and sleep on the couch or in the garage or something - that's fantastic. 

He'll be working on 5 hours a sleep of night (if he's lucky) and you likely less.