@Jon Rosburg, I'm an agent for the STS, and it's true, we do have a lot of clients assigned to us individually, but not all of them are looking in each market at the same level or with the same focus/intensity. 

Not only are prices being pushed and dragged down on all middle and upper inventory, but you can get seller finance 1,000x easier than it's been in literally 30+yrs. 

Allentown, Bethlehem have been sluggish in price terms (6% and 2% respectively above their 2009 'fair value' levels).

Now, on the inverse, I’ve been calling out insane rent growth on a local level especially because we have a ceiling of wage growth.

I work with mostly investors as the properties I sell are usually fixer uppers.

Find what fits your desires, goals, or enjoyment levels and run with it.

On a Fannie Mae loan, your scenario has a major Loan Level Price Adjustment (LLPA) of 4.125% for a second home with a loan to value of 85.1% to 90% plus a hit of .75% and another for .25%.

I am doing this completely remotely, which has been a massive pain/lesson learned (topic for another day).I signed a very high-level agreement (i.e. expectations simply say "drywall and paint") with him for drywall and paint work at my home for a total of $10KI have paid $5K as a down payment as well as ~$2K in materials over time, as neededThere have been multiple break-in's in the home, and he has done me favors of working with the police, and boarding things up.

To now say that you have to negotiate with the negotiator is a level of XXXXX that needs to be taken out and shot.

Responsive, knowledgeable, ownership, urgency, competency - things I haven't experienced with Home365 at any level.