Once you get them they do not report to your personal credit and don't care about high percentage use as long as you pay them back on a regular basis and I always pay more than required. 

I follow up regularly with my lender and push asking to improve the date to keep up the sense of urgency.

If you want to be close enough to see them on a regular basis then that would make your house hunting more specific.

Your PM should be able to do everything electronically so regular mail is unnecessary.

I could always uninstall the motor and make it a regular tub. https://www.menards.com/main/bath/bathtubs-showers...Instead of tile get this Utile for low maintenance so it can look nicer than the boring inserts. https://www.menards.com/main/bath/showers-shower-d...

Happy to be joining and hope to be a regular on the forum going forward.Best,Matt

HI Ramon,FHA requires 12 months to use market value in a refinance if you're looking at a cash out refinance but on a regular rate/term refinance you could refinance out from HML into FHA no prob as long as you owner occupy and given you qualify of course (credit/income/assets/etc).

@Eric DeVito  Oh man it's funny that you mentioned this topic because I'm experience the same thing on a regular basis and can relate 100%.

The employer was REI (Recreational Equipment, Inc.) and turkeys could be seen "hidden" under cashier counters, in sleeping bag bins, under clothing racks, behind the ski display... it was hilarious! 

The owners may also take money out in the form of Salary, which is also taxable as regular W-2 income.S-Corp - With very few exceptions, an S-Corp pays no income taxes as an entity.