I'm not in the mood to negotiate much on price.

Depends on the day and the mood.   

But dodging calls automatically puts me in a non-forgiving mood.  

The pros in the office don't change their mood at all. 

The last one I did I borrowed 90%ish from the hard money I broker and did the difference from the private lender (much smaller loan, easier to come by from lenders, virtually unlimited funds from the HML, while my PL does get in the mood to buy a house or Ferrari instead of loan $ to me from time to time).None of the institutional lenders I know of will do 100%. 

I'm not willing to take the 40-45% hit by withdrawing money from IRA and I don't want to deal with all the headaches of investing in RE via an IRA, easy decision to leave it in the market.The market is an emotional roller coaster, it's gets much easier with experience but it definitely has a small affect on my daily mood.  

Just depends on his mood that day.

Also in oklahoma county they will only allow up to $50 max in late fees if the judge is in a bad mood.  

I'm sure some people are more persuasive than others but if there's some rapport and the seller is really in the mood to sell you have a great potential for an agreement.

My point is simply this, I think it's important we keep a mood that fosters support and education versus harsh criticism.Mike drop.