If you have all 3 parties numbers then crunch the numbers and see if you can make the deal while keeping everybody happy.

Escrow is hinging on this being in place so I’m in a little bit of a crunch.

My dilemma still remains knowing whether or not I can get HM and at an acceptable rate when I actually want to make an offer -- especially in a time crunch when there are multiple offers on the table for a property that was just made available.

Lucky for us, we have time on our side due to the seller’s timeline, but things would be different if we were in a time crunch.

., no bank loans. that way, you can claim the income without public knowledge of the debt. or you would need to find properties that increase your income without a huge increase in the debt amount. thats hard to do. crunch the numbers on every deal. if it does not fit your financial need, don't buy it. its pretty much that simple. 

I think they think the state of Utah is going to pull them out of this housing crunch.

Builders face the same credit crunch as everyone and cash flow is at a premium.

I crunch numbers (buy and hold) on a lot of properties that come on the mls in Auburn and Opelika, and I don't come across many where the 2% rule works.

I'm sure there are many here that can help answer a couple of questions that would help me figure out how I will move forward from here.As I've been number crunching, it seems like the market in Utah right now isn't a great place to enter.

I'd recommend connecting with a lender local to you who can crunch the numbers for you.