A HYSA is a type of savings account that offers higher interest compared to traditional savings accounts!

If they do not qualify because of poor credit or income issues compared to being self employed etc there are differences - but typically people don’t qualify due to poor credit and people will seller finance to these borrowers thinking they woke up at a holiday inn and got a finance degree when in reality they repeat their past mistakesRemember the definition of insanity is doing the same thing over and over again expecting a different result

As others have noted the number of MF properties in the greater Phx area is low compared to many markets and the number for sale is even lower.

This can easily happen when the person valuing the property does not account for differences in the subject property and those chosen as comparables.   

Then compare that with your normal 30-year fixed.

Condos will be your best option when compared to co-ops because only about 15% of co-ops allow subletting.

Since they can't do each property individually, they use comparable sales to make broad generalizations to determine percent changes.

Basically if there is no "living room" and there are no comparable properties with similar square footage and bed/bath count in your area the property becomes difficult to comp or sell and lenders will not be able to use it as collateral for a loan Excellent point.

Ponts can be built into your rate as well so compare notes with more than one lender/bank.   

Quote from @Danae Pitcher: How is everyone seeing the holiday bookings this year as compared to last year?