That's why my recommendation to use TSP here, which is not the safest cleaner out there, always stands to get rid of nicotine residue.TSP also does something else: at high concentrations and when it's had a chance to soak, it significantly softens latex paint, primer, and all sorts of binders.

If the two agents worked for the same broker, they could partner up and work with you and setup some sort of split commission internally with their share broker

My broker charges a flat rate per year, totally worth it in my circumstance as not only do I save money for myself and my family, but I work with select clients and save them a lot on commissions as well.

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You can select the amount of the deductible, usuallyranges from $500 to $5,000.

I do these all of the time- if this is a rental, middle class sort of area; paint the cabinets, new hardware, new lighting, new appliances, resurface the counters and new flooring and all of the sudden it will look like a million bucks. 

It is crazy as it may seem like you are getting 100% leverage (you sort of are), but in the bank's mind you are putting a down payment into the property so you can get a loan. 

Got a crazy story out of it though… through some sort of miscommunication, the roofing sub-contractor replaced the roof on the wrong house!

@Dion DePaoli and @Lisa EckmanAll good points... yes I figured there would be some sort of cancellation of debt income same as a short sale.I will look into refinancing, however I currently have close to the 10 fannie/freddie loan limit. 

There are all sorts of resources.