I need to formulate a professional response that puts this cocky person in his place reminding him that Realtors (no matter what one's opinion of us is) are not a strong-arm mafia to help you employee unethical attacks to try and screw people.

For instance we actually upped our eating out and coffee budget some so we could go out and offset the effects of losing some of our privacy at home.Best of luck and keep us updated as you start formulating a plan.

My main worry about purchasing in Waterbury in the $35k range was being able to formulate an exit strategy.  

I haven't used this formulation with the paint and primer before, but I like Krylon paint better than Rustoleum. 

Real planning requires formulating a strategy to face bad scenarios.

Creative financing is the formulation and use of assets, liabilities and financial planning techniques that facilitate a method of financing an existing or newly acquired asset.  

Even then, take their situation into account and formulate your own plan of action.

Formulating relationships with agents, contractors and other investors is the best way to break into a new market.

I believe the formulation of a cash reserve should be based on some type of relationship as to the structure the loan.

I am just getting started in real estate (and by that I mean I am formulating my plan to by my first house/investment property), and I don't feel the need just yet to go outsource my bookkeeping.