Nowadays and for most firms, no one client has paid to have 100% of your undivided attention for their project.    

We would be happy to help your clients obtain an 75% cash out.

. :) I wanted to go with Chase bank too for the same reasons you did, however, my attorney warned me that he has had multiple clients who had to go through endless hassles to accomplish their goals with them.  

Eg, i have a friend/client who determines it based on income vs PITI.

We always leave those extensions and dates up to a client's CPA.

I pass them on to my clients, as the law requires, but I advise them to ignore 99% of them.- You don't need to offer the full asking price as earnest money, but a large deposit definitely helps woo the seller into believing your offer is serious.

This is a strategy I use for myself and all my clients. 

If you sign up as a client they provide legally vetted forms and can advise on the process at no charge.

This is part of my loan process - a discovery and strategy session with the client to understand their scenario, future plans, and overall situation so I can structure the loan to fit into it. 

To date, I am getting 20-30% increase in net revenue for clients.