This is one of the reasons, why I have been very curious into researching the Asian buyer influence and its impact to real estate price and appreciation. 

The vast majority of your retail buyers will use Fannie Mae financing which you have no influence on.

FYI, for your reference below is a description of both courses I've been looking at.Basic Appraisal PrinciplesThis four-day course will introduce you to real property concepts and characteristics, legal considerations, influences on real estate values, types of value, economic principles, market area analysis, highest and best use, and ethical considerations.

I've also heard great things about "Think and Grow Rich" and "How to Win Friends and Influence People", both of which I've found and downloaded for free online.

Depending on how recently this occurred, this may be influencing your approval for a loan, though one late payment should not be all that bad.  

I think I need to do some more networking to find the right people up here so that I may have better influence around me.

The listing price, and contract price, have no influence on what price the bank will accept.

. , Not that I'm aware of.. but you may have a business plan on your hands..You could collect premiums from the human, then deny the claim because the animal was subject to undue influence if it didn't agree to the policy.Pretty standard insurance practice.

A personal residence however often involves more than just running the numbers and can have plenty of other influences in the final decision.

Hi John,On my first property, I just ran the numbers (that I verified, not the sellers) and they made fiscal sense.