It's come time for me to sort out my insurance and I thought I could set it up on monthly payments and this might be a good way to help me start building a credit rating, but it seems that in general, insurance companies won't report to credit agencies unless it's negative. 

As usual, she said they wouldn't be there, and I should only talk to her through her attorney. 

@Will Kaufmann As a fellow attorney, you already know that attorneys usually don't work for free and they have bills to pay and they need to eat.

The conversation usually doesn't go much further than that ...

I would still have a % for CapX of AT LEAST 5%, though I usually go 10% for CapX.

I usually find appliances a couple of years old for dirt cheep, far less expensive than repairing major parts.

If it's husband and wife in a community property state, I usually list the first SSN that's on their joint tax return.If you use the IRS website to obtain the EIN, it walks you through this.https://sa2.www4.irs.gov/modiein/individual/index.jsp

You can also build in other renovation costs into the loan to get the home habitable.You can also look at FHA's 203k product, it too will cover structural repairs.It sounds like you are running into an issue with intent to occupy clause (usually 60 days after close). 

“While we support new entrants to the sharing economy and the competition it brings, we must be aware and very cautious of the negative impacts and repercussions,” said David Drennon of the Phoenix-based Arizona Lodging & Tourism Association, which lobbies on behalf of trade groups including the Southern Arizona Lodging & Resort Association.Drennon said his organization has no quarrel with a homeowner who occasionally rents out a guest house or spare room for extra cash.

@Stone Teran appraisals are usually good for 120 days.