Absent massive government intervention, normal innovation and globalism keep inflation low (i.e., the 40 years prior to 2022).

In addition, this owner occupant buyer normally requires the maximum seller concession credits just to qualify.

The wholesaler is a salesman , he wants your money , no different than a car salesman .YOU have the control its your money , and he wants it .   

Are there broken down cars in the driveway?

Is this a normal thing for Illinois? 

they normally look at the seller to give a lot of seller credits and the home has to pass their fairly rigid inspection criteria.. they dont want first time homeowners in homes that are in need of a lot of repair or deferred maintenance. the program basically is for those with poor credit and little to no money but can toe the line and get into home ownership.. 

I'm honestly surprised, right now our only debt payment is a 857 mortgage, no car payment no student loans no credit card debt, and good credit 740's. she doesn't make just a lot (41k a year) but with the 857 mortage payment, her debt to income shouldn't be much over 25%.

We're looking to build a 3 flat.What is the cost to build a 3 flat and 2-car garage? 

So, if your current business is during normal business hours that could work out schedule wise. 2.

The poor communication on the backside is normal.