@Russell Brazil  definitely regionalized... in my two markets were I build new construction Charleston SC and Portland Oregon.. long gone is the no money down buyer.. they still happen I just sold one in Charleston on a VA loan but its a 350k house. and we get the occasional FHA but on the subdivision I just built in Portland in 2016  27 new homes priced from 330 to 400k... ( entry level )  to first time move up.My wife is my broker ( always recommend anyone getting in the business to have their own license) I had her run a report on financing and what was used.4 sold for cash1 VA3  FHA minimum down19 sold conventinal with 10% or more down.IN charleston other than the one VA loan same thing some cash a few FHA majority conventionalso to speak to your points we have a much stronger buying segment than pre 08.. and I am sorry for those that have crappy credit and can't buy right now.. but they simply need to clean up their act. this attitude that every american deserves to own a home is flawed thinking.. every american who can manage thier personal credit and keep good an stable jobs.. deserves a home if they so choose.. 

These areas "C class⤵️" can be very unforgiving if your PM Company's attitude or approach is one that's laxed. 

My attitude has always been this way...

Dakoda Spencer one of the great features of BP is the positive attitude that is reinforced by BP community members on a daily basis.

Hello BPCultivating a positive mental attitude is essential, imo, to live a life which you are fulfilled mentally, physically, spiritually and financially.

As long as you monitor your expenses and keep a positive attitude to keep plugging away, that is key. 

You've got a great attitude!

I have been very happy with her and her team so far regarding timeliness, responsiveness, and all around great attitude.  

@Pratik P.I like the enthusiasm and go get 'em attitude, but you may be trying to bite off more than you can chew.

My attitude is that I should get some extra revenue for the hassle but not exorbitant.You said you'd waive the fees with proof, so honor that.