There is a product you can use on flooring that works well (rejuvenate)-try that first.For most things it is the actual cost (eg cleaning) or depreciated value (eg flooring replacement). 

Credit unions lack product selection and lender experience.

Just trying to see if anyone knows of another product out there. 

To deduct expenses, you should document the damage with photos (before and after cleaning) and keep receipts for any cleaning services or products you purchase.

Product/price wise. 

The question here is how can I rely on myself doing more diligence when it comes to liens, issues with HoAs that may have financing declined or things that may affect me when buying cash!?

I’ve personally met some lenders and financial professionals with interesting products at local networking events, and it’s a great reminder of how important it is to connect with people in the community.

That's it, they don't set what price a product has to be sold at.

(PA, DE, NJ) But this is totally dependent on your location. 4) What type of loan product are you using?

Furthermore if agents were paid on a fixed hourly scale then the thing driving that rate would be the quality of the product they produced.