Pays health insurance premiums from his business account. 

I just got a grant for 10k to have new Windows put in which is awesome since the Windows were original wood crank outs. but we have to live here for 5 years or pay 20% for each year that we aren't here for whatever reason.Anyway the house is pretty original with the exception of an on suite remodel, newer carpet and hardwood in the kitchen.

I can't determine the premium that should be paid to walk through that process for a novice who doesn't want to fail in their transactions going it alone. 

I do have a really good hard wood flooring guy.

Regards,Devin Woods

Purchase Price: $150k (pre-appraisal, haggled down from $160k)Cash to close: $13k (including $3800 hazard insurance premium, which seems quite high)Monthly Payment: $730 P&I + $320 Hazard + $230 Property Tax + $100 Mortgage Insurance = $1,370 total.Rents: 3 x $675 = $2025.

Would a purchase order for carpet/wood flooring work for the bank?

I go with wood looking luxury vinyl planks.

At the time I got these later 30 year loans, the interest rate premium didn't seem attractive enough to go with the 15.  

I will PM you info on the premiums my clients are seeing.