Im middle of the road on those areas.

If no great deal comes along, you can always throw it all at the mortgage down the road.

Hidden damages or poor construction can cause issues down the road.

Change his willingness into action, or hit the road.

Think of it this way: if we were to screen tenants on criminal background, credit, eviction history, landlord references, and income (3X that of rent and employee verified), even with 25 tenant applications, it's difficult to find a reliable tenant to match all those criteria.

Someone who is less risk averse may be willing to wait to see if rates drop more significantly and take the higher rate for now and refinance down the road but for the less risk averse, it's definitely a meaningful conversation and pretty easy to quantify by taking the cost and dividing it by the monthly payment savings to determine a "break even" period to see if that makes sense for the client.Curious to hear others' thoughts on this.

The only power any government has is the power to crack down on criminals.

I'm also in Virginia ,  Hampton Roads, Virginia Beach area but I am always happy to help

I am just down the road so let me know if you want to grab a coffee.

When should landlords waive background checks to support Undocumented Immigrants as I am unaware of services that will produce say a criminal background check outside of the United States?