If we rent our house out, the tenant would likely cover our entire mortgage, but our HOA costs are high (they were raised a lot recently).

Expense Deductions: Deduct direct expenses like materials, labor, and selling costs.4.

Lots of low cost options to get in dependent upon credit, etc.

It's the lower bedroom counts with limited amenities in the community and low to medium theming that are oversaturated.

We tried to get info on the lender to ask directly but they wouldn't give it to us.I would have thought this would be a relatively quick process to do a credit check, check debt to income, employer verification, etc.current loan's interest rate is very low so they definitely haven't refinanced anytime recently.Additionally, having never assumed a loan before, anything I should keep an eye out for that might cause a hiccup? 

Whe shopping around you are going to see that some charge more interest but less closing costs and other less interest and more closing costs.

Prices aren't coming down, but there are also hardly any buyers, and inventory is very low.

Your interest rate is a bit low - is that the most recent rate?

The sub meter costs and monthly reporting fees can be charged to the JADU. 

On May 30th we also presented them with a written lease, which they refused to sign.The tenant informed us verbally and through text message that they would pay the rent increase but would be moving at the end of August to low-income housing.