Could you check if these are right and help me with #13 I think its A but Im not sure. Thank you.

11. When is PMI required? when the loan has a monthly payment of more than 10% of the borrower's monthly income (A) n has a monthly payment of more than 25% of the borrower's borrower had a down payment of less than 50% of the purchase the borrower has a down payment of less than 20% of the purchase (B) when the loa monthly income when the price (D) when price 12. Which of the following is a disadvantage of renting a residence? (A) greater financial risk (B) less mobility no tax benefits (D) less free time 13.- -which of the following is an example of a common clause in a purchase agreement? (A) the validity of the agreement depends on the seller's willingness to lower the asking price (B) the validity of the agreement depends on the buyer's willingness to keep the property as-is (C) the validity of the agreement depends on the buyer's ability to sell his or her own home (D) the validity of the agreement depends on the seller's ability prove he or she is buying another home Why should trade-in prices and vehicle prices be negotiated separately? (A) less tax is paid if they are done separately (B) it is illegal to negotiate them together 14. 14. consumers often get a better deal that way (D) they should not be negotiated separately as it makes up one purchase