I believe a house similar to the zillow list herehttps://www.zillow.com/homes/for_sale/2090922653_z...$1500/month rental for a 192k new construction is about right?

My wife's tiny little home town in West Texas suddenly got a big boost as they found a bunch of oil nearby the other year and suddenly all bets were off.

People believe the media and decide Auckland is unaffordable.  

And believe me, you'd rather hate it with nicer property in a nicer neighborhood. 

You could call the bank, with their permission, you might also be able to run their credit, I believe it will tell you if they have missed payments, it might not give you the current status, but if they tell you they never missed a payment and the credit report begs to differ that would be useful information.

But, I believe that is how that works.HOWEVER, I don't think you can request a raise whenever you want. 

They do have a yearly membership but I think I'm going to try and attend one meeting (I believe they have a door charge for non-members) and see what they are all about.

As a college student on a tight budget, I believe that as of right now wholesaling would more than likely be the smartest option.

This leads me to believe the mortgage is the better option.

("I understand your in a difficult position and I truly believe I'm in a position to help you out.