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? 

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

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.

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. 

I'm not sure if prices have hit their lowest point yet, but they have come down a lot from when they were very high last year.Thanks for the help in advance.Cape Coral has not hit its low and insurance has not hit its high.