@Armando Neri Why do this when Fed Fund Rate is at 0% and not heading up anytime soon, thereby lowering the cost of adjustable rate financing for the foreseeable future on other adjustable rates such as Helocs?

Are my numbers reasonable or do I need to make adjustments?

We had to adjust our lifestyle a bit but who doesn't after having kids?

Some buyers start looking in the 150 range but usually adjust quickly.

I wouldn't turn it off,  but I would raise it up to say 80.I have honeywell 9000 wifi thermostats so I can remotely adjust temperature.

@Rashad Jackson I think it's always a good time to buy as long as the numbers work and your analysis has adjusted to help offset the risk.

We had to adjust our lifestyle a bit but who doesn't after having kids?

It seems that these rules may be hard to achieve outside of class C investments which don't interest me, but I think with Delaware having lower taxes than other areas in the country, the rule may need to be adjusted for NCC. 2) MLS or working with wholesalers? 

His self image needs to be adjusted: how he thinks of himself. 

What you are talking about are adjustments in value for an extra bedroom or more sf.Here is what I tell young agents: run a market for a brand new listing and try to determine for how much it will sell.