Skin in the game for the whole group is much more effective and efficient than individual leases. 

Lastly, plopping down 5% points for a marginal savings on a monthly payment might not be the most effective use of those funds, maybe being able to buy the next a bit quicker would generate a higher return for the cash.and no, I do not believe we will see rates below 5%, and the fed has never had any control over mortgage rates with the fed funds rate as that is the shortest possible rate overnight borrowing between banks.

@Daniel Zubrik -- we just got approved for Experian, which is effectively the same as TLO.

HUD has published notification that the new standards will be effective for the Housing Choice Voucher Program starting October, 2023.

Immediately get the RMA form (Request for Mortgage Assistance) and select "Sell the house" (Short Sale).

Orchard is a bit more selective in the houses that they will accept for their program, with them usually choosing newer homes rather than older ones.5.

It would effectively end everything they do. 

Land trusts can be an ideal choice in Florida, especially when working to shield properties and address Due on Sale (DOS) clause concerns effectively.

Not sure how much effect it will have in the very short term going into slower months for real estate and other sectors. 

If you don't have an agreement with either one of them, select the one who you think would be the best fit to represent you.