@Adam BerlinbergI mean no offense or disagreement with any of the other comments.

Wanting or hoping to change the political landscape is, without intending offense to those who choose this route, a fool's errand, and expecting this or that electoral outcome to make things right is a pipe dream. 

No offense taken whatsoever, I’ve also had conversations with many close friends that are established realtors and they have told me the same.

Banks do it as an offensive action to reduce risk. 

In Maryland for example, a cute little way that the state takes advantage of the monetary benefits of offering an LLC while affording those having an LLC little to no protection is by stating in law that " an officer of the Llc that commits/takes part in the offense in question is also liable"...aka if you run your own Llc, you personally are also responsible.

Cutting corners and getting caught can result in EPA fines starting at $11,000 per day for a first offense.

I don't want to come off as offensive but I understand they aren't getting any offers so a lower offer might be accepted.

We want to be in a strong position financially for a correction to play offense when things hit bottom - but of course, nobody knows when that will actually happen.

There is no way the seller will entertain an offer at $150k (in the space of real estate, that is an extremely lowball offensive offer just so you're aware).

Small Business Administration, so even the federal government has taken a close look at these individuals and approved them in spite of their past issues.In order to give these people the "OK", we require detailed documentation on their past offenses (with supporting court documents as proof), when they happened, how long ago they happened, and a thorough explanation of why it happened (and why it won't happen again).