The masses do it, it's more accepted and feels safer. 

I’m starting to feel real sketched out by all of this now.

My biggest gripe is that these differences are never discussed or talked about and most people that I read or talk to have this feeling that not filing a claim is almost always better than filing (except in total loss situations and very high dollar amount claims). 

Hey guys, please feel free to message me with any CityFHEPS questions.

Feel free ro message me here and we can get on a call.

She would like to sell it so that it's not a constant reminder and I completely understand why she would feel that way. 

@Daniel K Houck I totally understand how you feel this way. 

Extremely low vacancy rates, very low turnover, maximized rent trough improvements, create high resident satisfaction etc - all add up to a critical advantage over a 10 year period.I feel lucky that have landed in a market which had both cash flow and appreciation over the last decade. 

For shopping price, feel free to show lenders your Loan Estimate and see if what they offer compares. 

The improvement came elsewhere, with 82% feeling secure in their jobs, and a survey high 36% expecting mortgage rates to fall in the next 12 months.