If the credit card was not a Wells Fargo credit card, write a letter requesting a goodwill adjustment (google goodwill letter to creditors for ideas).

I grew up in a house with radiators and it did have a valve that could be adjusted so maybe not a big deal?

I assume capex to be in a similar ballpark to maintenance costs and adjust up or down depending on condition of the roof, hot water/furnace, appliances, etc.

Keep your lawyer on speed dial.

Assuming, a 10% property management cost and maybe increasing the CapEx to 15% that would adjust my cash flow to around $6130/year or $510/month.

I’m having a hard time adjusting to this competitive market we are in and would like some insight as to how to structure our offers to get accepted.

Another lender is offering 2.49% fixed for 12 months then convert to adjustable rate Prime + 1.0% OR 4.99% fixed for 36 months then convert to adjustable rate Prime + 1.0% OR 5.99% fixed for 60 months then convert to adjustable rate Prime + 1.0%.

I don't believe there is any hard and fast rule, but I have heard 5% of the rent is as good an adjustable rule of thumb any.

Interestingly, the program picked up a speeding ticket for the same person from 6 years ago in a different state, but again, nothing for his domestic.

the one I am using is a bit pricey and I constantly have to play phone tag to adjust mowing frequency.