But you seem to then attack myself and my charecter, so I just went along with your negativity. 

No worries, i realize that what i wrote seems like at attack on lenders and im outside of my swim lane.

I think the NAR Code of Ethics (COE) Rule weakens the seller's negotiating position - which is an attack on the fiduciary relationship that the same COE purports to protect.The other is that NAR members agree not to sue each other, going instead to arbitration. 

This type of weak logical fallacies, Ad Hominen attacks, are very low class and show the level of your intellectual capacity.

Need capital, need decent credit, and need an attack mentality.

She could trash the entire house with that hammer and attack you for making her feel threatened. 

Best thing to do is talk to a Banker/Loan officer and work out the numbers in advance before you make a move.That way you have a game plan and goals set for a target monthly payment and an attack plan for the purchase. 

The water heater, well, and septic system will all have to be replaced and termites will attack.

Or am I attack this topic the wrong way?

It is these kind of single visit attacks that kill me.