They had assured me they use a title agency that holds the money in escrow, but filling out an application with this company with my social security number and other vital info is what scares me the most.

This revenue helps keep the government running and providing vital services that the public relies on, especially in times like these.

Simple explanation to the seller that some jerk off submitted 3 offers and then you all move on.

Just a simple phone call with mortgage officer at a bank (or a few) should help clarify how much you'll need for a down payment and what interest rate you might receive - or at what point a bank would be willing to help you refinance. 

Keypad Locks As simple as they are, keypad locks provide convenience, save money in the long run, and be useful during this pandemic.

And all this is separate from the simple fact that if rents are going up you are in a harder place. 

If you are that individual, my humble advice is to not use a simple spreadsheet as was suggested by others in this forum.

They said they do a simple calculation of.

Sooooooo simple.

Outline a thorough comp report that will detail the rent difference between both products, and run a simple profit analysis to see what makes more sense for you based on your budget and risk appetite.