It isn't all roses out here. 

Both were renovated by the same company, and have the exact same finishes on the inside (right down to the paint color).

You'll also likely want a relationship with another smaller local bank who can help fund the deals quickly.Carson Bank, Vintage Bank, Rose Hill Bank, Union State Bank, Stock Exchange Bank (Ark City) are a few of the smaller local ones I know would be able to act quickly and wont screw you on closing costs.I've personally used Carson and Union State Bank (formerly Relianz)  - Have spoken to Rose Hill and Vintage about their programs however have not ruled out using them in the future.I'm sure there's a few other smaller banks I've left off, but going off the cuff those are the ones I remember.

So I billed my wife , she picked the color 

Oh, and his car was 2 different colors and looked like it shouldn't have passed inspection.

Include a neon-colored post-it note that says: Curious what your home is really worth?

CMBS lenders have generally increased LTVs and a willingness to lend on "off color" properties and with Freddie Mac offering access to agency loan capital on small balance loans that were previously off limits to most borrowers.

Whether that be a letter with a different color envelope, or a postcard that is a different color or size.

Don't listen to the negative thoughts in your head about your age, experience, shoe size, eye color, etc.....Just Do It!

Banks historically wouldn't lend more than 80% of the value of the home, but as home values rose, it became tougher for many borrowers to come up with enough cash to do 20% down.