Some owners may have experienced higher than normal collection expenses due to non payment of rent.    

So you're saying normally I shouldn't have to keep paying the insurance after I renew my mortgage let's say after a 3 year term?

Would you wait for inflation to normalize?

If it's a normal lot, 2 cuts a month should not be 200$.

Interest rates are low, inflation is high and prices in most markets are expected to increase at a higher rate than normal over the next 1-3 years.

@Aaron Lane you are pretty much going through the normal growing pains of a flipper. 

  * For residential after 6 months then they could do a cash-out refinance up to 75% based on fannie mae / freddie mac guidelinesAre these normal restrictions? 

Preferred lifestyle - Sometimes, living in a very desired area of town means getting a smaller home that can accommodate you and your preferred lifestyle.

The demands of the job prevents them from bouncing out for extended periods of time, but 3 day weekends are very normal.   

:P And here's why you can find your HELOC by looking for places NOT advertising 1st position 30yf mortgages [it's related to COVID-19, of course]:To be blunt/crass, a lot of the banks that did both HELOCs and 1st position have taken note that Uncle Sam is still paying a substantially higher profit margin than is normal for a 30yf 1st position mortgage (the "bond buying program," if you want to google).