The buyer has no extra funds to pull from.

My new plan is to not advertise that they are included, and then charge an extra $25/month if they want one installed.

If he just wants out for no good reason, he could face the lender pursuing a deficiency judgement against him/her if the state permits.

Nice thing about ETC is the bill pay feature as it allows you to make payments w/ no extra costs for regular processing.

So, if you rent the high dollar retail space for 5 years, you get 15,000 "extra" space.

I finally had some extras cash laying around and needed to put it somewhere so I decided to pull the trigger and buy my first investment property.

You don't need to pay her extra.

Any payments on the balance remaining from the original loan must be included in the debt-to-income ratio calculation for the refinance transaction.o Cash out to recoup gift funds is not permitted.

I'd assume you might be permitted perhaps 32% & 40% for the limits on the two ratios, assuming excellent credit as you state you have.

Any extra appliance or ceiling fan, etc that has moving parts is just something extra that can break and you have to fix it.