Looking back now, there was a truly incredible emphasis on "not screwing up your future," an immense fear of risk that carries over from high-school mind control, pushed into your brain by the people who work there, all of whom spent years getting along to worm their way into a unionized low-to-middle-income teaching job, in large part, by jumping through hoops and never doing anything that might lead to their getting fired out of a government union job, or, to put it as teachers do, "jeopardize their position."

They say "best economy ever" while saying any downturn domestically or globally will give them reason for a rate cut.

A touch of one of them but with an emphasis on the investment?

The bank looks at your global cash flow in order to give you more loans meaning that their willingness to give you more loans depends on your ability to pay down the mortgages with the cash flow that you have.

Once again though global and US economics heavily influence this area, since a lot of people who live are commuting vast distances (40-60) miles for work.

I don't think you need hand written, but you also don't want to sound too slick.If you are sending to owner occupied - either seniors or people with low Financial Stability Scores, the emphasis is on "selling your house is easier than you think" and list how you make it easy.

The rest of the world is on a kamakazie mission with rates global debt investors have no where to hide with 30 percent of sovereign debt markets with negative yields.

Emphasis on the lies.

If you want to have the best insight into the global macro economies with the real players (like Dalio), take a look a realvision tv.

My point is to make a list - for both properties and run some numbers so that when you talk with him- it is more in global terms such that "Ok, I might pay your price but I was thinking about the furnace, its an older forced air unit and probably is going to need to be replaced in the next couple years (Start with the most obvious and expensive item).