We're talking about apples and oranges here.

These are upscale properties with amenities like access to web and cable TV, pools, gyms, etc.

and they are all over town, and i im pretty big believer in the rule"if you have to advertise it, its not as good as its craked up to be"for example you see on tv advertisements for people to go to massage therapy school and "get the career of their dreams" have you ever talked to a message therapist?

TV shows only show you what the audience wants to see.

I also want my own TV show, @Joshua Dorkin 

Which costs me-Gas: 100, Water: 80, Power: 120, TV: 100, Internet: 50 Total: 450 dollars.

It's easy to accept that the guys on TV and in the "free" seminars made a killing in Real Estate and YOU CAN TOO for just $29k, which only serves to discourage people from actually getting started and learning the business.

It happens more than one thinks but like we have all said it is finding that right fit... and mass media late night TV reality star's are not going to give you the one on one.. its simply a business that is run by marketing companies in Utah that are very good at what they do..

But if the two lenders you are speaking to are giving you ALL credit available for the .50 bump in interest rate, then it's an apples to apples comparison. 

Be creative and commit...the answer always appears.Your wife has you well trained in how to play guessing games...A TV RE guru would say as much.