By the time the agent is done working between showings, writing contracts, negotiations and inspections irs weeks of work. 

The proper way is as you said write down your capex expenses and lifetimes and amoritize it down to a month.

If now Im using my Transunion Service, using Fico version 8, and someone gives me an Experian report with FICO version AutoScore 4, then comparing the 2 is meaningless.Though Im sure legislators writing these laws have very little idea you could have 48 different potential scores that are all still FICO scores. 

The owner of that property in question cannot restore his full VA entitlement until such time as the VA loan is paid off in full.Further, even if you gave him the 3.5% down on FHA, his DTI will still be hit with the payment on that VA loan, almost certainly killing his next home purchase before it even gets going.And if he gives up on homeownership, all the future potential landlords are going to see that mortgage on his credit, and likely consider him unqualified for the rental unit.Unless someone is going to write a check to pay that VA loan off in full, this is a predatory activity and the victim is the owner of the home in question, given his goals and the proposal on the table.Do the right thing.

I'm a Realtor in Central Oregon and a client wants me to write a "Subject To" offer.

Fees should be clearly stated in writing, easy to understand, and justifiable.

I could write pages about how terrible this has been.

The advice that is presented by those that are writing the best-selling books are to do due diligence and that umbrella policies ALONE are not necessarily the way to go by themselves.  

I and then Brian might be more involved with the writing of vol.

Theresa makes a a valid point about who is responsible if there was a deficit, and I agree with Erica that this would need to in writing somewhere.