Yes, your rate of interest will be affected as now you will have to include Mortgage insurance. 

General thoughts and questions I have include:1. 

Should cost around $500 and includes a rescope.

We are talking all real estate; including people retiring, like the one that sell their homes and buys another in Florida.

I'm concerned because, I may have purchased an "Audio Book" for $147 that i'm having trouble cancelling because I was under the impression that I would be shipped an actual Book from the Advertisement that did not mention "Audio."  

There is a cleaning fee included that pays for the house cleaning.I use a lock box for the key.I have wifi thermostats so I can save on the electric bill when no one is there.

In Ontario (Ottawa) people with student rentals, do you include all utilities (heat / hydro / water) in the cost for students, or do the students pay the utilities on their own (split the costs between them)?

In Maryland those include, Taxes, Front foot assessments, water bills, ground rent and other less common ones.  

Otherwise that is another possible one you can check out as it does include the criminal and eviction search.

You are still allowed to reject that unauthorized roommate if you find criminal or other negative findings from the screening.If you decide to approve the new tenant, just draw up a new lease for a 1 year term (or your choice) with the new rent and make sure all roommates are included on the lease. easier that doing addendums for rent and roommates etc. and you get them to commit to a new 12 month lease so you dont risk move-outs in the middle of winter.