Yes, I agree we will likely go back to the broker to refinance anyways but this provides for the scenario when rates across the board are dramatically lower, in which case we can refinance with this lender hopefully easily with minimal fees. 

No but they are much more likely to fail dramatically at the worst possible time.

Many Boards fail to properly meet their fiduciary responsibilities, and this shows up in the form of "unexpected" Special Assessments and dramatic monthly fee increases.

As opposed to pre 07 or 08 were so much property was 100% or MORE leveraged.Even if you have price corrections those that own properties free and clear will just ride it out.Now if you had rent compression that could be a problem but I don't think other than a few markets that's on anyone's radar.If for some reason subsidized housing  like section 8 came back to market rent rates that would create a ripple .. and or if they drastically cut back on it... that would effect the mid west cash flow markets pretty dramatically.

This will help you get Superhost later on which will also boost your rankings.These are just a few techniques that one can use to increase the rankings of their Airbnb listings.

It's dramatically more contagious than the flu, and the mortality rate is significantly higher, particularly for certain cohorts. 

I am not sure exactly what wage growth was but I know it was dramatically lower.  

When the market crashes, the consensus for these values change dramatically.

I know that the Fed has increased the rate dramatically over the past year and half, but the closing cost, in my opinion, is really a bit beyond my expectation.

I know this is going a bit off the rails, but if there is any sort of Credit Building technique you guys used to help boost your credit to get you home buyer ready I'd appreciate the advice.