On another note, just because your offer isn't close, as you said in your narrative, doesn't mean you're wrong with your offer price.

@Nathan Gesner had a pretty robust post on how to do that some weeks back.Another problem that is getting in your way is the use of term leases here in NY. 

If you need a new job once you move, you will need an offer letter prior to closing on your new home (and you will need 6 months reserves in order to be able to use the offer letter as income). 

Out of the blue, one of them gave only two weeks' notice via email that he would be moving out at the end of December 2024 -- and he did.

Some will offer a HELOC even if they originated your first mortgage. thank you for taking the time to respond, I will look with some credit unions That's a good call.

Some have been on the market for weeks", that doesn't bode well for renting of any kind really.

You’re probably thinking you have to offer asking price – not true!

With all due respect Mr Moderator....If it were that easy, I would have done that Everyday of the week and twice on Sundays. 

I ended up closing on a duplex house this week with the intent to rehab the whole place.

If there is anything I can offer, please feel free to reach out.