While my bank has favorable interest rates, they will not do anything other than 5-yr balloon. 

I've heard of people buying large number of bedroom homes here and in seller favored markets like Denver, taking over group homes or other houses that are 3-6 bedroom, or large properties in square footage that might not all be permitted and make them conforming, etc.

Thanks for the help - I know it's a pretty big favor to ask. 

I would gladly pay a monthly due for such a group, hiring a legion of lawyers and lobbyists to get stuff done in our favor for once. 

@Yitzchok Carmen  It's possible that VRBO's algorithm favored Evolve's host status versus your new private one and thus you are falling further down the list of search results. 

There are business checking accounts that are in favor of small businesses.

Eliminating a couple is doing you a favor, in a way, because it can drive you to focus.

Steve,Great insight on the issue. so, what I understood is , in times of refinancing, I can incorporate my partner, and that is in favor of bank as well.

Tenant/landlord laws are favorable for landlords and property taxes are extremely low 

As mortgage rates continued to fall, refinances got put on the back burner in favor of new purchases on owner occupied loans.