@Julie Priefer  I once had a tenant submit a WRITTEN reference from her landlord with her application and I must say it helped sway me. 

But here, even when you submit your rooming house application, it goes through the zoning process that calls for a public hearing.

We have such a competitive market that I will make offers without even seeing properties, so my realtor doesn't really do anything, except submit an offer and potentially some negotiations (if there are any) - and they get like 3% for that.

When you submit your offer, make sure you have a due diligence period that gives you enough time to do these inspections.Once you get the property under contract, have the septic company do their inspection, have an engineer visit if necessary and get your property inspector out to do a full property inspection -- if he is concerned about a major plumbing issue or mold issue, you can get those specialty trades out to take a look and give you an estimate.If it turns out there is a bunch of extra work in these areas (or ANY areas) that you didn't expect, you go back to the seller and basically say, "Hey, there were hidden defects that I needed to bring in specialty contractors to evaluate, and here are the reports they provided. 

So in closing, I'm excited to have submitted my first offer!

If you submit an offer with a high nonrefundable EMD and close fast it will be treated as a cash offer.

Should we submit a claim?

Bank Alternate Stated loans (these lenders are not banks and borrowers do not need to submit tax returns to qualify for these types of loans).

On another note, I think I need to have a strategy meeting with my realtor to find out why my house doesn't have more interest and after 20 viewings only 1 person has submitted an offer.  

@Cameron Skinner As @Ari Lasky said you need to submit form 3115, which is change in depreciation method.