Not unusual for your "HELOC-calculated" DTI to be 70% while your "Fannie-calculated" (with no overlays) DTI to be 20%.

@Jason James: as has been said, this isn’t unusual in a hot market.

This is not unusual with poor drainage and grading.

After dodging the question repeatedly he finally flat out told me it was impossible and highly unusual for a client to even ask that.

I was surprised that we had no trouble selling the property under those unusual circumstances. 

It's not unusual, particularly if they're told they will be released soon.You can sign a contract electronically, by fax, in counterpart, etc while you are on vacation as long as it's included in the contract that signatures in that format are acceptable.You're trying to sell a co-op in a market that favors buyers, in what is historically one of the slowest times of the year, to a "rock solid" buyer that your broker procured.

Unusual damage would be paid by the damage deposit. 

The neighbors alerted the police when they heard unusual noises and he was caught. 

I paid to have it listed on MLSI'm going to call a couple of property management companies (I manage it myself as it's pretty new and requires very little effort to manage) to see if they would be willing to find a tenant for a fee and have me still manage it.Not sure if the market is soft or is this is an unusual situation of just bad luck / bad timing.  

Would it be unusual too look for a long term private money loan that would resemble a conventional mortgage?