Either would be a great option; I'd probably choose Roseville because it's more established, but the City of Elk Grove deserves a lot of credit for its impactful growth programs, so it wouldn't be a bad option. 

That affects your credit for instance.A better way to look at it is voluntarily making the mortgage payment for someone.

In other words, if there are attorneys who can afford to specialize in just prosecuting dog owners for dog bites - then good luck defending against them.What I learned when I was studying law, was that if there is any history whatsoever that a dog has ever bitten someone or a dog before, then no matter the circumstances, if they bite again - they are automatically guilty.And, even as a dog lover, you and I both know that some breeds are more likely to bite than others.  

I would not credit for laundry, I would price in line with not having a laundry if other units do.

I put a new build under contract early this month, and are now working on the loan with a credit union.

Sitting around waiting and hoping will get you no where.Also, history seems to repeat itself.  

Quote from @Chris Seveney: Quote from @Jay Hinrichs: few things if these are sold to homeowners were the dodd frank rules rigidly followed when you did these.if they are sold to investors then DF doe not come into play.while credit and such matters keep in mind note buyers will want a 12 to 20% or more annual return..

Credit Union, Brokers, Banks (all have different advantage & disadvantages). 

It's also worth noting that, given my community development background, the intent is to help them refi into traditional financing after they've established a payment history.

The tenant pays a monthly premium and keeps an active bank account and credit card on file.