So they understand the language we speak.

I understand that some couples set up 51% female owned to qualify as a "woman-owned business," don't know much about what this does for you, anyone else?

Through coming full circle and understanding what we both really want in life, my wife and I have ramped up our savings rate and made a plan to gain independence in life from what "you're supposed to do."

It is very rare for bank to tell you to lower down payment requirement at their initiative.This is example where as negotiator, you have to be very clear of what you want, but at the same time understand seller's motivations and selling point.

Although I understand his frustration I do feel he is being unreasonable.

@Brad Penley some suggestions I always try to get my client to take when buying a property that will require flood insurance due to your loan is, 1) make sure you understand if the property has ever had a flood, If so what year and how the water got in the structure and if the damage was repaired, also good to know how much the claim that was paid.

Wow, thanks for the insight Jennifer, getting an actual scenario on the numbers really help understand which side of the wind is blowing.

I understand you all can be busy.

@Ken Catron My understanding is she could get a 5% down type of loan, but typically banks and all lenders want to know you will occupy.

Not sure I understand your question; do you mean that you own these 30 properties free and clear (no loans), and when you went to apply for a HELOC the bank wouldn't give you one?