I guess they have a human look over every "decline" the computer does, and mine made sense to do.

Make sense?

3) Lastly, make sure the numbers make sense.

Their answer will dictate the relationship.As a licensed realtor, referrals are common.

We like the Southern lifestyle but ultimately we want to be somewhere with a sense of community.

I don't have a sense of rehab costs in this area, but all the pictures suggest the unit will need at least a new roof and aesthetic rehab, wiring, new appliances for all the pictured units.Further, the listing claims 6 slots of off-street parking but no pictures.

Yeah def makes sense to not refi often due to this fact5.)

-In this area is it common for the land lord to pay for 'sewer' or is it the tenant?

ARM's can make sense if you're a flipper where there is already a very short holding period and a significant holding risk because you're betting on the market being there when you sell.  

A seller financed (SF) note is not the same as a purchase money mortgage, it is funded by equity based on an agreed sale price, this makes it an installment loan and a different animal than a cash funded note.Institutional notes have a due on sale clause, an SF note should have if it is common for your jurisdiction but it may not have.