It's common for them to be "missing" or blank. 

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.