I got home and looked at the site again and Lo, and Behold, it had been changed.Points of interest:1.  

.)$38, 385 - Rehab TotalAverage purchase price of recent sales = $135,000  - 38,385  (repair costs)    96,615 - Existing value$75k - 80,000 cash offer within 3 weeks (using hard money @ 60% + ARV)–OR–$100,000 Lease Option (for 1 year)$2500 Option Payment$3550 (1st, last, security, pet deposit - same as rental lease + $25 credit)$1175 months rent ($25 credit towards purchase) x 12 months = 14,100 ($300 more than regular rent)$100,000 (LO purchase price)      2,500 (option payment)         300 (rent credits) $97,200 (to be paid by 3/1/18 at the latest)Exit strategy is to either refinance myself or have my daughter refinance with FHAWhat am I overlooking?

Just keep in mind it's not the Loan Officer that is going to deny your loan, as the Loan Officer is simply the face of the bank that you're talking to (people always forget this and blame the LO,) if you're loan is denied it's because of the Underwriter.

These are more complicated to process and you want to be sure you are working with a company or LO who knows what they are doing.

They are often the ones that hold out for more money.You need to consult a real estate attorney to see if a LO is even legal in these circumstances.Sharon

Adam is really focused on mindset so that in addition to the Co-operative L/O information, you have the proper mindset to do deals instead of being stuck in analysis paralysis.

The key to success is knowing your short term and lo g term goals.

Lo and behold, the buyer accepted my counter offer with 0% commission via email reply (note: the buyer didn't include his buyer's agent in his email acceptance reply).

DHM is a legitimate lender that isn't going to take your money and not answer the phone (at least from my experiences talking with their LO's and borrowers).

You'll have your mortgage paid off eventually and be cash flowing positive, you have kind of a dream situation, you can't rent a place in lo high for less than 1500 and that would be on the cheap end, keep your place and know that I am jealous haha.