Yes, there is a ton of data out there clearly saying Realtors get more, and honestly it shouldn't be a surprise because we simply have more resources, more experience with those resources, more connections, huge network day 1 and on and on.

There are likely other creative options, but perhaps you can buy cash with your next purchase and then lever up after you’ve clear your PAL bank.

Here are some practical steps you can take:First, make sure you have a clear and comprehensive written agreement.

It won't be easy but can be done Caleb,Thanks for the clear advise.

The buyer actually bid $5K above my sale price and my agent made it sound like she let them know that if it didn't appraise they would need to make up the difference, but it was clear she did not set that expectation because they came back to negotiate it.

The home buying process typically follows these key steps:Assess Your Finances: Review your credit score, savings, and determine how much you can afford for a down payment and monthly mortgage payments.Get Pre-Approved for a Loan: Work with a lender to get pre-approved, which gives you a clear budget and shows sellers you’re a serious buyer.Find a Real Estate Agent: Partner with an experienced agent who knows the local market and can guide you through the process.Search for Homes: Browse listings and visit properties that fit your criteria (location, size, price, etc.).Make an Offer: When you find a home you like, submit an offer through your agent, including contingencies (financing, inspections, etc.).Home Inspection & Appraisal: Once the offer is accepted, hire an inspector to ensure the home’s condition and the lender will order an appraisal to verify the property’s value.Secure Financing: Finalize your mortgage by submitting required documents and ensuring the lender clears you for closing.Closing: Sign the final paperwork, pay closing costs, and receive the keys to your new home!

Despite my constant follow-ups, it became clear no one was actively working on the property.

If you need a reliable roofing contact, let me know—I’d be happy to recommend someone.Your agent should have negotiated a clear possession date that accounts for the seller needing extra time to move.

I should’ve been more clear that I’m not using a list to put together a budget, just to get a general idea of how much certain things cost. 

He’s clearly trying to play a tough guy, but it’s irritating that he decided to play it this way.