They've typically been at it for 10+ years, have built a reputation, and get most of their business form existing clientele.Agents charge what they charge because that's what it takes to make this business work.

Many developers are reputable.

I'm looking to build my reputation here in Texas as someone who is trustworthy & can find great deals both on & off-market. 

Generally working with mortgage brokers or large lenders that have a good reputation and established guidelines is the way to go.

You won't want to give her big tax consequences... talk to your CPA and tax attorney.

You want an accountant that can help you strategize and who is responsive when you want to know the tax consequences of the decisions you are making throughout the year.

In the 90s Dane County had the reputation of being called "Republic of Dane County" among rental owners because their rental laws were so vastly different from most others in the state. 

I was thinking the same, as long as I can verify it's a reputable company and stating that the stove will remain when they vacate the property. 

I have an appointment with a local CPA coming up but I'm planning to get a second opinion so I'll reach out to someone reputable and knowledgable outside of Mass as well.

Now, obviously that will increase your loan amount and consequently, your monthly payment amount.