Hopefully with time and sage advice from fellow investors on here I can get to a point that some or most of you all are at.I live in Lexington Ky currently and am currently employed within my family owned insurance agency.

If the agent is smart he will have negotiated a Buyer's Agency Agreement to have the Buyer pay his commission if Seller is unwilling or is not under any contractual obligations to pay a commission.

The best book hasn't been finished yet (LOL) and the reason is that we have two issues, the SAFE Act and the CFPB a new agency that will be regulating all financial transactions.

You can sell the debt to a collection agency, which can do it, and some organizations where you can be a member can do it, I think.

When their own agency polices itself, it does not work out in accordance to the "Code of Ethics" they are supposed to follow.

Hud, you know, the agency out to protect homeowners.

While they can also give you bank and CMBS quotes, a correspondent mortgage banker is typically the only source that you can go to for access to loans from life insurance companies and the government agencies (Fannie Mae, Freddie Mac, and FHA).  

Anyone who believes that isn't aware of how agencies work and how many firewalls there are between such agencies and political influence, in fact, it is illegal to attempt to influence any agency official in the performance of duties....guess most here can't remember Nixon.The rate dropped THREE TENTHS OF ONE PERCENT which happens often and SIX TENTHS OF ONE PERCENT IN THE LAST THREE MONTHS, which AVERAGES TWO TENTHS OF ONE PERCENT.

Every time I list an apartment for rent, I always get solicited from rental agencies and agents wanting a month's rent to take over listing my unit.

If that meeting doesn't offer a common sense solution (like allowing you a waiver on this fence but requiring any replacement be correct standards) then some states have a board or independent agency that helps owners with disputes with their associations, so look that up to see if you have one of those as the Board being contacted by an outside party might help immensely.