To limit the exposure a lower ITV was necessary.

Why not just refinance to a 30 year and drop the payment lower.

For initial 'go/no go' calculations I plug in about $1200-1400 for lower end homes (40-60K), and 1800-2400 for mid (around 100K). 

Residential financing terms are much better (30 yr amortisation, no balloon, lower interest rate).

In addition I would assume that they will do a double conversion, first from Shekels to GBP and then to USD.Wiring money from an Israeli bank to an American bank is safe an easy, the only problem is the fees, that's why I'm looking for a transfer service with lower fees (and preferably one that's a long time running company with a reputation of not disappearing with the money...)

Usually, expenses are estimated at 50% of the income but the financials might show a lower percentage.

Hopefully the time frame is closer to 6 months, I don't want to renew my apartment lease.  

Right now Milwaukee is very appealing to me with lower cost of entry and still easy to drive to.

In my mind, the easiest way to identify the best Self-Directed provider is by making the SAFE decision; an acronym that represents the provider's Specialization, Account fees, Funding time frame and Education.  

South Jersey lower barriers.