That would be my main concern here...not whether you can get 4.25 instead of 4.375 (although you should shop around to other lenders unless you have some loyalty to this one for some reason).One thing to consider, it's the beginning of the year, so you'll likely have to pay the entire years worth of taxes now...this could be a good chunk of money.

If she decides to stay put, and she's been there for some time, consider offering to arrange a carpet cleaning service at her existing place to control odor and to help with tenant loyalty.

We have known the investor a very long and trust/loyalty is of no concern; we all want what is best for both sides.

Since I'm in the multifamily biz, I would want my residents/tenants to feel more passionate about where they live.I think building brand loyalty would be a part of iHousing.

I think lots of time the realtor gets to comfortable and takes the client's loyalty for granted.

Loyalty is a must.

This is where honor, loyalty, integrity and ethics often come into question.And finally, a listing agreement is a contract.

You have my loyalty and respect.

Let's quit the word games and personal attacks.Stop making these accusatory comments at me.It's wasted space.Let's stay on the subject of the topic.You seem like you are frustrated with trying to buy an REO property and trying to direct it at me.It's simple.If you are a cash buyer then show the REO broker you are serious.Show them proof of funds valid within the last 30 days from your bank account.If you are using hard money then that is different from cash and subject to the appraisal and valuation the hard money lender wants.If your boyfriend is a contractor then maybe you can save on a home inspection and do it yourself.The REO brokers loyalty lies with the asset manager and the company they get listings from.Again if you are buying one property the REO broker is usually not going to work hard to get that accepted unless it's at asking or above.The bank is possibly giving 20 or more properties a year to the REO broker.

Another benefit is that it can generate more tenant loyalty - as it can be difficult for tenants with dogs to find landlords willing to take them, so they will be less likely to leave.