Very few buyers pay cash, and when liquidity dries up, buyers will be unable to get financing resulting in a decrease in demand.

I know hard inquiries stay on your record for at least 2 years and with every loan, your age history decreases, but I don’t know the impacts of that on a large scale.

For example if you can only afford a set monthly payment based on your income and if the interest rate on a $400,000 dollar house goes from 3% to 4% it decreases the price a buyer can spend on a house to get the same monthly mortgage rate, to about $355,000.

Upon pushing them for invoices they decreased it to $87k but said more is coming once the framing is complete.  

It was the first increase since 2010.Income inequality: The Gini index fell to 0.488, narrowing the gap as pay among the highest earners decreased.

In a perfect world, you'd cash flow while you're there, but even if you are decreasing your living expenses, then you're winning.

The second will decrease cleaning expenses.

I will definitely be asking to have the "units delivered vacant, but that will cost and most owners would be reluctant in case you fail to close with a larger deposit and write that the seller keeps $X of that should you not close after all contingencies are removed", this little bit is SO HELPFUL, thank you, will pose that in a one of two options or ask for a price decrease to inherit tenants as is, does that seem appropriate?

If you're itching to get into something asap then 30 year am on the primary with a cash out would be the best way to do it while decreasing your lifestyle.

As far as the refinance portion of the deal I ran the numbers with current rates and they still work properly, hopefully the rates decrease and my potential profits take a positive hit.