So it checks out.Having paid off 50 paid off car loans may be tripping you up here, both in terms of what's plainly written below, as well as the car loans having more 'weight' than other factors, just because there are so many of them.https://www.myfico.com/credit-..."

Even though Sally had all the food she could want, her body image wouldn’t let her believe she was skinny enough so she kept losing more and more weight.

The Cedar Rapids area has a group that meets the first Wednesday of the month over zoom.

The area is rapidly growing with the supporting from the local government and large investors.

Being new may have a little weight on ther terms but I would not get quotes from 1 or two banks and think you have to take one.

One of the things we saw in Phoenix in 2008 was a rapid slow down in relocations (actually to net negative growth) because the builders slowed to almost zero and people in the midwest were locked into their homes because they couldn't sell them. 

We have a of mortgages in this market and all I know is the real estate taxes are increasing at a very rapid rate, much faster then inflation and the ability to raise rents. 

@Garrett Stockton Not exactly what you asked, but be sure your deck can handle the added weight of a hot tub.

We had a perfect storm for rapidly appreciating real estate.

Forward looking projections are always a risk gamble so putting weight on it too much can be potentially problematic.What to consider in splits, fees hurdles is who (what parties) has what at risk when you run a Stress Test / Sensitivity Analysis.