Our sales staff is highly trained in helping customers identify the best HVAC solutions for their needs, and we have technicians with prior installation experience who provide valuable support.Dual fuel systems combine a traditional furnace with a coil designed for use with a heat pump.

.* My insurance carrier does not accept escrow payments, so I would need a solution that wouldn't require escrow or something creative with the escrow.Property Details:Duplex located in Wisconsin (city of approximately 9,000 people)Purchase date:  05/10/2024Purchase Price:  $85,000Rehab:  $31,000ARV:  $140,000 (still need to have appraisal completed - this is based off of my comps)Projected rent:  $1,450 / month (just listed so no leases yet. 

The trenchless repair seems like a great solution and it’s cheaper, however, I don’t know the pros/cons of both. 

At that point, it's worth researching and finding a solution that better meets your needs.

There are definitely pros and cons to each so I figured I would just lay out a few benefits and personal thoughts: Small banks/brokerages:Pros:- Some regional knowledge of the market- Possibility of more creative lending guidelines with bank specific programs- Sometimes they have competitive rates for their areaCons: - weak balance sheet (more strict on some guidelines, no wiggle room, inability to be flexible or grant exceptions because they cannot afford to hold less than perfect loans)- Can't scale with clients to different markets- Usually limits exposure to individual investors (they don't want one investor to be too big of a portion of their balance sheet)- Lack of experience with multiple solutions (tend to have 2 or 3 loan products they sell and are too niche to provide tailored solutions)Large banks/brokerages:Pros:- Large compliance departments that understand individual market guidelines (typically each state has specific lending guidelines that augment the national baseline)- Ability to scale into multiple markets with same lender (licensed in many states)- Impossible for individual investors to "outgrow" a large bank's balance sheet (not concerned with one investor's concentration)- More lending solutions available for different scenarios- Often comparable or better rates given the game is volume basedCons:- Can be more difficult to get fast responses if the bank/brokerage does not have good follow up systems in place (or if the underwriting/processing staff gets overwhelmed)- Bad large banks can feel less like a relationship and more like a cog in a factory (less personal)Overall, I have worked from both and worked with both as a loan officer, branch manager, and as an investor/client myself. 

You can talk to a single person and come up with a reasonable solution. 

Now today on the 20th at 130pm with a close tike of 3 pm, the underwriter decides that they don't like that because I'm so young and so fat have only been an authorized user on a credit card (having been renting and paying for utilities for a year though) and haven't been making the payments, that now I would need to have a cosigner (which doesn't really work since everyone I know have too many write offs) so now I'm in limbo while I wait to see if there's any other solutions.

I've been shopping around with brokers and have tried Obie and Steadily and those told me that they have no providers currently writing Landlord Policies in Harris County Houston TX.Can anyone advise if they have also run into this and if they have found  a solution?

The best that my agent could find is from "Delos Insurance Solutions Backed by Homesite."

Thanks in advance for your help.Depends how AGGRESSIVE you want to be - and whether you’re looking for a long term solution or just an immediate one or two time solution.A short term possible once or twice solution would be to write up a 6 month lease with a cancellation option after one month at the pleasure of the tenant.