I (and most people I knew) was already underwriting that I was raising the extra funds to pay for the escrows but doing a return of capital after a year anyway.

I know others, however, who prioritize that extra 1/8% point and will take on any stress since they know its just for that few weeks..Hope that helps. 

Please, feel free to leave any advice or feedback in the comments.Purchase Info.3 bedroom/2(full)bathrooms; 1,216sqr feet$197,000 with a fixed 30 year, 3.5% rate and 20% DP$4,000 in closing costsIncome Breakdown: $2,250/month      Average of $750 per month per roomExpenses: $1,804, We cover ALL expenses plus extra amenities $167/month combined taxes & insurance$225/month with 5% repairs & 5% cap ex$225/month with 10% vacancy(to cover our higher turnover rate)$50/month wifi$100/month cleaning service$100/month lawn service$200/month utilities$19/month garbage and disposalDetails$445/month Cash Flow12.31% Coc Roi

That took extra coats to cover.

That difference will get you out of PMI quicker so pay the extra, then hold the loan; at 2.375%, that's free money.I see no reason why not to go with Rocket, your local lender is going to sell that loan on the secondary market anyway. 

It's getting to the point now where staying in a hotel is much cheaper because of the extra fees.

If your cat applicant has a good Landlord reference after living with them for a year at the last place, that demonstrates a reduced risk.After you approve someone's pets, you still should reduce your risk by charging extra for them.

Hi Brooke,Like this:Ring ring ring, goes the cellular phone; "Hi Bob (current GOOD at a trade contractor you know), I need somebody to run an extra electrical line from the box to the kitchen do you know anyone who does small jobs like that and is good that might be able to come out Friday?" 

You’ll have at least an extra $15-$20k after paying them $15k in commissions. 

I also understand mortgage pay down and appreciation are extra, significant, bonuses but I really don't want to bank on appreciation.