I am looking to meet people, learn as much as I can, and get this ball rolling!

What about all the unknowns that pop up and throw a curve ball at the most sophisticated & experienced investors.

If so, it's not an offensive baseless low-ball offer.

You could produce great leads and then they drop the ball.

Theoretically, Wells Fargo would probably not play ball since I've been really honest about the situation with them, but another lender wouldn't know and I can get my loan?

If you are willing to take on some of the risk of lower coverage and the bank will play ball than this may be your  best way to save.What I know about flood insurance is everyone hates being made to buy it and it's always more expensive than they expected. 

I specialize in PMI stuff, apparently, since I make the lists that get PMI sales reps' attention and they randomly show up to my office with PMI-company branded fidget spinners and golf balls (I don't golf...).

Side note.I agree that it takes brass balls to sell real estate.

In an attempt to get a good deal, has anyone ever thrown in low ball offers and told the listing agent they can represent both the selling and buying side?

Is the ball in our court or is it in hers?