At the end of the day, it's just a matter of who is willing to give you a better deal and has the flexibility to do so.

If that matters.

This is not something you will get online you need an attorney to draft documents and it is just a matter of whether you draft them or their attorney drafts them

Location, location, location really is the one thing that matters most.

For example is there a standard where a house has been listed for 180 days and now the bank is willing to take a bigger hit just to settle the matter?

Just a matter of whether we can find anybody that will do this loan. 

We were under the impression that it wouldn't matter since we hadn't refi'd the first yet to learn, but found out how wrong that was.  

Find ways to get the money and dollar cost average real estate over the years no matter what the doomers and crash bros tell you.

Because honestly, at one point, I considered his offer and was afraid of the possibility that if I didn't accept I'd be taken to court and be responsible for putting my children on the street, and I can see those types of scare tactics and resulting emotions being enough to scare someone into complying with a transaction no matter how laden it is with misrepresentation, non disclosure and fraud it could be.Again, I don't know if I misunderstood the laws and regulations or not, I could be wrong.

Whether its roommate, GF/BF, husband and wife, if they are both leaving, no matter the circumstances, we put both names on the check with the word "AND".