It is not as simple as saying 115 sf because you have waste, cuts, and other things that can impact the quantity. 

I actually enjoy doing some fix up work, but in the quantities I seem to be doing.

You need to have a repair estimate in mind, remind them that they won't be paying closing costs, repairs, etc.Educating the seller goes a long way in negotiation, but that can only work if they are sufficiently motivated.

We feel like if we can send a larger quantity of lead referrals to one particular Agent, it would warrant the higher referral fee being paid to us.  

The only issue is that her income alone is probably not sufficient, but mine definitely is. 

If your follow through applicants don't have sufficient income or credit, then that's a sign to look at your price.  

The new owner should get all those for when the tenant leaves, you will have sufficient coverage for any damages and what not.

A lousy design, sloppy bill of quantities, or cheap work will cost much much more in the long run than the imagined " saving " at the time of ordering the work.

@Jon G.I think the market is sufficiently hott right now in NYC, I would definitely let go of it, especially with these low interest rates.

Above information which you would provide to the bank in a loan application would be sufficient for them to decide under what conditions they would finance your project.