Payment stays the same since we drop PMI, but also hike up the rate.OPTION #2: That same lender will refi conventional 80% LTV.

I have rent either mailed to a PO box or they can pay with credit cards using Square, PayPal, etc. or I have a drop box in the office as well. 

Drop a note in the mailbox?

Back on my powerful morning routine...Woke up to a quick wake up meditation,,My oldest got up with me and we did some stretching and a workout,Another meditation and affirmations that he picked out,Got the youngest up and readied them for driving to school,Dropped the youngest off at chess club,Then spent the best 30 minutes ever with my oldest at Panera playing a card game before dropping him off at school,Now doing some journaling, reading, and sharing before day three of Target setting begins.Routines have become my source of certainty, power, and habitual 1% steps towards the person I desire to become.

The upside is Mortgage insurance is typically cheaper with conventional loans and you only need to reach 20% equity to have the MI drop off.Best of luck!

Yes the second class is 197.00 for 3 days but that is a drop in a bucket for the wealth of information to receive.

If you believe in the theory that "all things return to the mean" then expect rates to rise not drop. 

I spent 21 years in the military and was stocking shelves at Walmart while looking for another job, but my lender still qualified me for a purchase despite the significant drop in pay, change in careers, and other factors.

Also, since we would be purchasing it with a bit of equity, and adding a bit with renovations, it would appear to have a good amount of equity as a safety net incase home prices drop, or to reuse for future investments. 

So you're sponsoring breakfast, lunch, drinks for their office every month for 12-24 months before you can drop off to quarterly or you hand off to a marketing partner/assistant.