Yes, contracts usually favor one party to an extent, it would be hard to completely be in the center.

I feel if you can get a Better rehab cost out of it you might be better suited for a favorable deal

If the place has a board of directors I would take that to them and mention that you would be happy to return the favor of access should they need to get on your property to maintain theirs.

But again, the due on sale clause is still in the lender's favor.

I would be willing to bet you a lunch that somewhere in Texas a judge has ruled in favor of a tenant when the LL turned off the utilities because they were supposed to be in the tenant's name.

I hope all works out in your favor.

My guess is that would include all fixtures and cabinetry and flooring as well as your appliances and other "stuff".I'd clarify that and would still say you want to look into a policy even if you really only have to worry about personal belongings as an owner occupied HO6 (especially if you aren't getting much "content" coverage) should not really run you much more than $250 a year.I'd think you would have to have some seriously cheap crap for possessions before the cost benefit of a total loss works out in your favor.

But do yourself a favor and listen to the podcasts on this website first.

If a landlord does do this, they are doing the tenant quite a big favor.

To @Andy Wong's point, credit unions are able to give much more favorable interest rates because they are not-for-profit organizations, which means they don't pay federal taxes.It's really kind of an unfair advantage that credit unions have over banks (and this is part of why banks have a really hard time competing with them)...