Overtime, as appreciation increases and the mortgage balance decreases, when you reach 20% equity in the property, you could refinance the loan to a conventional loan to get rid of the mortgage premiums. 

Also, I do require applications before showings which I'm sure slightly decreases my application numbers. 

I'd say 25% down is the most common though because of cash flow goals and there is usually a significant rate decrease going from 80% to 75% LTV. 

The seller was very motivated to get rid of it so cash up front was very appealing to them which helped us get a price decrease.

It's worth it if multiple and/or extended down times are anticipated for the "peace of mind" factor.In PG&E territory, a battery not only covers the increasing downtime but they are also economically viable because of the underlying cost per KWh from PG&E.Looking forward to battery tech following the same curve as solar - 90% decrease in cost in 15 years.

Our employment analysis for the area is strong with a large percentage of jobs in government, trade-transport-utilities, manufacturing, and information. 4) He does predict a decrease in overall sales but not a decrease in price. 5) He predicts the interest rates will stay low.What do you all think? 

(increase/decrease in employers coming to the city, government spending money into infrastructure)?

All that does in decrease your CF and cost you more money. 

I also don't plan to work a w2 job forever as we want to start our family soon, which will decrease our income.

There has also been a decrease in lumber prices which should help builders mitigate cost pressures.Now is the time to build and look for full guts that need everything done.