(I can just do more tIRA withdrawals to tweek AGI to suit)2.) 5 yr carry forward of excess deductions - (could use to draw down ~$800k tIRA BEFORE RMD or more Roth rolls)Situation: Very desirable but very hard to sell income property (older (1979) small, low value Mobile home,(home = ~1/6th the value of property - Banks don't lend with that ratio) Beautiful acreage, (3) large shops, pond, barns, Very livable cabin (knotty pine!)

Most renters shop by price and won't even read the ad if it is too far out of line. 

I am currently at one of my clients/friends condo's in Waikiki I met them when i brokered a 100 unit apartment to them in Portland 20 plus years ago.. at the time I asked them if I should be shopping for a lender and the response.

I have not been getting donuts from the donut shop or drinking soda.

That plus your debt-to-income ratio is really going to be the determining factors on your budget for your house shopping.

She did say something about removing the dead body before we got there...

Interview them in a coffee shop and screen them with rentprep. 

My only concern is what if they close shop or sell their business?

Seller will financeLarge building with 3 storage bays/shops on one end1.

Yes, you have to hang your license with an institution because it pragmatically isn't economical to run your own independent shop these days.You're still often brokering or correspondent lending, though, if you work for a mortgage bank or mortgage company (eg, not a "bank" bank, where you can have a checking account).