It comes with the land so no lot rent but there is an HOA.

Feel free to reach out to discuss your goals and I can connect you with the right agent for your search.  

You'll need to chat with both lenders to see how flexible they are.

You have a great rate and a house that's getting too small, but upgrading to a larger home with a larger rate is not doable.

I have no idea why (never had a single fraud issue), but after spending several hours going down the rabbithole of figuring why this happened, we just want a solution.Some of the other banks we are with seem to make it overly complicated to have more than a single account.Any recos?

If you haven't already done so, connect with @Josh Green.

The property in question has commercial space on the ground floor with two, 2 bed/1 bath units above.

Cody,It is not easy with low down payment and  with current prices, property taxes and rates to live for "free" these days in most of the country.

There's always drama with drug addicts and alcoholics, in addition to the stress of group living.

Easier... better deals, people just want to let go with properties on the market for awhile How do you handle contractor schedules and supply chain slowdowns?