Also minimize your interactions with her.

The right agent will be able to help you navigate the purchase process and analyze deals. 

Agency loan processing at 5.5% fixed interest rate.

I'm very early in the process, I would even consider it simply the learning process.

Points or origination are often a part of closing costs on the HUD and processed through title/escrow as a part of down payment, but never in advance of that.

If you have more time, then painting is one of the easier and best ways to save money on a rehab, for many people who are somewhat handy and looking for a DIY project where they can get some value.Ive tried many different ways to get properties painted as quickly as possible and agree with @Steve Vaughn on minimizing prep, cutting in, and marshalling family and friends (if willing;) to help with the task.  

In the state of Florida it is fairly simple process, although you may never see the money. 

Property taxes with the exception of no income tax states tend to be way, way higher in cold belt states.For development the entitlement process tends to be longer in cold belt states.

Being incredibly new to this whole process, there were plenty of things we learned.

I’m curious what the large HML’s require.All of our borrowers could probably afford minimal damage to all their homes, even if we had to step in and help with the repairs.