Based on the recent market movement (conventional rates have gone up over .50% since the presidential election) and the fact that this is a Non Owner Occupied Home Style Renovation loan and the loan amount is under $100,000.00 the rate and origination fee sound fair.

There is no reason the government should be giving a tax incentive on a personal life style decision.

That depended on whether you did the work or contracted it out.I once replaced the windows in a foreclosure/flip I was doing but all of the siding needed to be replaced and the windows were of various, and mismatched, sizes and styles.

Likely t/c 50/50.Sure you can have one owner execute the payment obligation (note) if the bank permits it... but both owners will be executing the security interest (deed of trust/mortgage) for a 75-80%+ loan.

Over the years I've found dual closing rules to be like bell bottoms (in or out of style).

Someone please call S*** T**** the proud papa

Originally posted by @Peter T.

I have found a few houses that fit my style but I’m stuck in the analysis paralysis phase and can’t seem to find my next step.

I did all the expenses and everything to a T.

If it’s low t can go well, if it’s higher it can be bad.If this is in Memphis I can offer some advice.