@Scott Mac, it's the mountains and skiing and fly fishing and hiking and...plus the weather is nicer that most areas of TX. 

I am covering the renovations partly with cash and partly with 0% credit cards since they are allowing a long runway, about 14-15 months of 0% APR plus the bonus cash/points.

The lenders who do will charge you 3 points and quote you 12.5% - 13% APR on an interest only product.The first deal can be very capital intensive because of the reduced leverage, increased points, and higher rates that ups holding costs.  

Conventional will have better rate, lower upfront costs, and will NOT have a pre-payment penalty.

People are going to hold onto their current mortgages at low APR like a loved one because with rates going up they likely aren’t going to be able to afford as much house at the same monthly payment and in a recession there are going to be fewer move up buyers.

A tenant in Milwaukee was suing a landlord for a pre-exsting flea infestation prior to their move-in over 15 years ago now.  

Turns out John hadn't actually wrapped up all lose ends on that front, and was legally not how he presented in terms of gender even though he was legally John, he had down payment funds in a "pre-John" vintage bank account. 

Ski in the cold season. 

Make sure they don't report to personal credit Another option is 0% APR credit cards though those can be risky if you don't know what you're doingI've personally been JV'ing with local investors on deals.

Someone emailed   a pre-screening form Sunday  who said her family size is 5-6 people and total gross income was only $3,100/month (above my preferred  income requirement) .