Algorithms that tailor choices are in fact controlling your environment, not sure why it’s better if it’s for capitalist purposes.What the IMF is really saying is “you know banks should really catch up to the market here.And yea, the monitoring and social media stuff by govt is scary too—right now the only real “defense” is obscurity and a strong legal system.

PF or Branson would both be great choices.

You can put 20% down and avoid the mortgage insurance premium (mortgage insurance for conventional has MANY choices: lender paid with higher rate/ split/ monthly.... and so forth but it is much cheaper than FHA 1.75)Home Ready may have income limits and county limits FICO 620 minimumDifferences are: cost, can you qualify, how the individual regulates your inspections which is lender specific

In the future, we plan to be more conscious about cheap and affordable style choices.

Hi Apurva,53 units -- It would be smart to talk to an Architect who does multi-family (In your general area) about the cost of doing a restyle as well as colors.Especially if you choose a Hardie (Fiber Cement type) product.With Hardie (Type) products, read the upkeep instructions, some require re-applying the joint sealers (factor that into your maintenance budget).Also with Hardie (Type) products there is a service life to the color...some come pre-colored, some your contractors must paint on site, (some require priming of cuts when installed)---talk to the Architect about the maintenance schedule and the CAPEX for this.Hardie makes big sheets of this for multi-family that Architects can use for visual effect and ease of installation.With 53 units--springing for an Architect to help with this would be intelligent.Good Luck!

Generally, I do the initial screening myself and verify with transunion smart move.

@Joe Villeneuve You are super smart.

I am not suggesting you do it yourself but it will help you understand the choices and issues when meeting with your lawyer.

@Max Langlois - smart play.

TX seems to be a logical choice if it allows non-resident to register.