It has practically nothing to do with fault, and more to do with how your insurance company pays your claim.

If you decide to break your mortgage, you will have to pay either three months worth of interest payments or an interest rate differential fee. Which one is it? You should do the math.

Taking off for a month or even a year, but want to keep your place as a renter? Subletting can be a great option.  

Rental properties can be a great source for a consistent stream of income. But they can also become a nightmare quickly.  

This article has been updated from a previous version.