When it comes to the comparison of manufactured homes and site-built homes, they both use the same building materials in the construction phases and the cost is lower, the difference is that the manufactured home is built in a controlled factory environement where quality of construction is invariably superior to what can be done outdoors.

The example you used of the husband being added to the wife's account only works if it is converted to a joint account.As to adding the rental history and other non-traditional trade lines, Fair Issacs has already said they are going to adjust the models to either exclude or severely reduce any positive impact those provide.However, all of this is moot in the current lending environment.

Then after signing the tune changes and when the time comes they will work with you probably but will not say how.The truth is they will not know the lending environment then so can't stick themselves to something concrete today.This is why unless you are doing a value add or know you are holding for a short term the longer fixed term loans are better.I would take the 4.35% for seven years if it's fixed for the whole term all things else being equal.

But they are great way to make some great returns in this low interest rate environment, long as you can stomach the fluctuations and keep an eye on the dividends as they tend to vary by qtr...best regards,Chris

That same environment just doesn't exist here, so of course things are spreading more slowly.

If I were in my early twenties, I'd be investing heavily in all assets that do well in inflationary environments, ie real estate, stocks, gold, commodities.  

Not only is EVs better for the environment/climate change but it's better for your wallet! 

The only way to increase death benefit is if the policy allows additional paid up premium. if it does, you’re likely not going to be able to get the same underwriting (since you were younger and healthier as a kid). 

This may be a hard strategy if you are in a small town and if there is alot of activity sounds like others are already active indicating a competitive environment. :)

We're seeing investors settle for 6% on larger MF's...and we can produce 8-10% cash on cash in the small MF market...very stable environment here.