.- HML often have a hard time giving the new lender an accurate "payoff statement" and verification of on-time payments to them (latter necessary because HML typically do not appear on credit), which can delay the refinance causing (surprise surprise) the HML to get another month and change of interest out of you at the crazy high interest rate.

In rent control areas you must automatically apply annual rent increases to the maximum limit allowed and you can not have tenants stay longer than 2-3 years max.

As others have mentioned, I noticed a lot of people looking for a place to stay quickly, and they aren't qualified.

But since my spouse and I have the same debt other that student loans, which is minimal, our monthly debt pretty much stays the same, but our monthly income doubles almost.

I still trace it back to a new year's trip to Puerto Rico but maybe it was from a later stay at some hotel.

I would stay out of it the best you could

Let's hope the real estate and rental markets stay strong this year despite the economic and political turmoil that is brewing.~ JonP.S.

Account Closed $60,000 loan in Michigan usually doesn’t fail the points and fees test so I am very surprised you are having such an issue. 

She has remained with long term plans to stay. 

Stay away from brokers?