The area appreciates about 1% a year due to it is next to a major naval base.

It's a major win-win in my opinion.Lastly, if you had 3 subject to's called for no reason whatsoever then I wonder what the rest of the story is and the details surrounding that because you are the first document-able person I've ever heard of who has had it happen.  

I would agree for the vast majority of clients, paying points does not make sense. 

Is the 10% only on major repairs or all repairs, if on all repairs that is a garbage fee.

The concern is for people living close to the edge with little to no reserves where if they have a vacancy and major repair the dominoes start to fall.

Here are the two major questions that I have been eagerly waiting to find answers to and need some expert opinion from all you experts out there:Cash out on equity on the rental property by selling it while market is high.

I still own the first property I bought in 2007 and had to make many major repairs over the years.

The vast majority of U.S. businesses are pass-throughs.

RM’s have the “must sell for 95% of a current fha appraisal” due to the fact the fha insures the vast majority of them, and that is their requirement for them to pay out on the insurance.

Needs some work, but nothing major.