Can you please explain why 5% is better than 3.5%FHA?

At the viewing, I explain that Transunion Smartmove will do a credit, criminal, and rental background check (they check the eviction database).

But that may be why the lender is now trying to execute a PSA...I don't know if that is the right way to accomplish the 'refi' or not, but that would explain part of what may be happening here. 

You really want to explain to a jury why you ask for 2.5X, but took the white guy with 2.4X, but declined the black guy with the same 2.4X?

What I was trying to explain in my previous reply is that the property I was under contract for would be deemed an ADU as it legally is in compliance, but if I were to request permits to operate as a STR in the unit, that would not be allowed.

And I still want to do the Money Podcast eventually and try to explain the connections between radical political instability and personal financial independence, from the perspective of having a family caught in the Greek debt crisis.

HMLs are typically small shops and you can get on the phone with the owner to ask why the deal didn't pass underwriting and they'll explain to you what you're missing.

It's really a different mindset and attitude, hard to explain but it's just different.  

Got it, thanks for explaining. 

The topic is really broad.. and you are basically asking for "tell me everything"... so I will start off by saying that there is no way we could ever tell you everything you need to know... its just too nuanced and too many variables to possibly explain in a post.