It might be a good idea to look into what tech related companies are emerging with real estate-related products.

What types of products are you seeking?

Because of the severe decline in interest  rates he was able to refinance at a low rate.

Back to today: I got off the phone with my agent, where I communicated how I wanted to present my offer (in summary: if the seller rejects my original offer, I hope they'll make a counteroffer, but if I decline that counteroffer, I will move on to make an offer on the next property of the few I am interested in the market - this is to avoid a back-and-forth and the property had been listed for a year with a 25% price cut in that time).

Deductions are a matter of legislative grace and the taxpayer bears the burden of proof, both of production and persuasion.

If they reside in New Orleans, where we are, we decline, because it will most definitely be a party in our rental.  

There are still down payment assistance options or portfolio products for lesser of a downpayment but your terms on those are worse. 

Market Considerations: Given the 12-14 month holding period, how much does your target IRR change in a fluctuating market (either rising or declining)?

Complaining, or (overly) worrying, about these things is counter-productive. 

The broker only provided a reason for the LTV drop which is due to the appraiser's comment that says "the market is in decline."